milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Renton Collections Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This submission updates the XX/XX/XXXX complaint against Renton Collections , Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX XXXX on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX XXXX otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} ( incl. Renton Collections Interest charges ) directly to XXXX XXXX XXXX that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections , Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Title loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Can't contact lender

Complaint: I am currently being harassed by a third-party collection agency for Ace Check Cashing. I have a overdue XXXX My family and I are receiving multiple phone calls back to back throughout the day. I attempted to call them back once I got off work but I did not receive an answer. My family informed them that I can not talk on the phone while I am at work but they keep calling. In addition they gave the debt information to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Midwest Recovery Systems (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit and found a collection item. I called Midwest Recovery Group, which told me this is from XXXX XXXX, another debt collection company??? I was told this was from a payday loan in XXXX Ca. in XX/XX/XXXX, I have not lived in XXXX since XX/XX/XXXX. I have not been notified of this, by mail, phone or email. I have no outstanding debts to be put in collections. I do not know who the ORIGINAL creditor is supposed to be. I have been getting calls now for about 2 years and every time I turn to CFPB and get results. I have had this removed before because it is not mine, beyond collections in Ca. I asked for validation to be sent to me but the person never asked for my correct address after I told him I have not lived in XXXX since XX/XX/XXXX. This is a scam just like all the other complaints I have filled out. If this is a payday loan then it its supposed to be arbitrated and no attempt has been made in a legal fashion.the process to put such an item on my reports was circumvented in violation of the FCRA. I have absolutely no information on this debt to even begin disputing it.This is an end run around the law because whatever this is can not stand up to the scrutiny of a court room. In court I have discovery and can get to the bottom of this. I believe it is not mine and the light of a court room would prove this is not mine and who ever is responsible for this item will be found uncollectible due to age of said item. This is a scam and I want my info back. My info has been breached by XXXX XXXX, XXXX, my local hospital and my XXXX doctor in XXXX Ca. I can not fight or dispute this as I have no information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Asset Acceptance based in XXXX, XXXX is a debt collection agency that has now attempted to ( and partially succeeded ) in collecting funds from my bank account via levy, on three separate occasions. I can provide paperwork and exact dates of each levy attempted, as needed. 

This debt was based on a XXXX XXXX XXXX credit card that was last paid XX/XX/XXXX. The 90 day window for the time of delinquency puts the date at XX/XX/XXXX from when the attempt for debt to be collected began. 

The statute of limitation in my home state ( XXXX ) regarding oral or written contracts is six years. As of the current date, This debt has not been collected for seven years and five months. 

The only correspondence received was from XXXX County courts, alerting me that funds were attempted to be collected from my bank account. When contacting the courts I was given a phone number with voicemail to contact. After leaving voicemail on three occasions, no return calls were ever made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$0.00} This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$120000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$820.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$81000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Willful non-compliance as per FDCPA 807 False or misleading representations 15 USC 1962e. I recently wrote to Experian concerning the reporting and verification of a BKXXXX from the US Court/XXXX Ca. I have firstly contacted the Court, which sent me a letter stating that they do not I repeat do not report any information to any of the XXXX XXXX 's. I also put a security freeze on the XXXX data mining companies that the CB 's use like XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX if you need them. 

I sent Experian a formal notice that their claim was being disputed and I was requesting verification, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " verification '' that is competent evidence bearing my signature, showing that ( I have or ever had ) .Bankruptcy. An Employee looking at their computer screen seeing my name listed in their database is NOT " verification or validation of any Bankruptcy. Verification according to XXXX Law Dictionary is " ... ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also it goes on to say " " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Verification and Confirmation of the correctness, truth, or authenticity of a pleading, account or other paper by an affidavit, oath or deposition XXXX v XXXX XXXX, XXXX, XXXX, XXXX, XXXX. ; and XXXX v XXXX XXXX XXXX and XXXX v. XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX This is my argument concerning Experian verification process : Verification is sworn testimony. It can be testimony in a deposition or in a court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand Knowledge. " A county clerk does not have firsthand knowledge nor does anyone at the county recorder, nor does anyone at the credit bureaus if someone verifies but they does XXXX XXXX, XXXX, XXXX etc. The main public records source for the credit bureaus. If someone verifies but they do n't have firsthand knowledge then its not verification its Hearsay And hearsay is inadmissible and the court says its incompetent. The negative mark found on my credit reports including Experian, XXXX, XXXX So in conclusion if you can not truly validate and verification which they have now legally accomplished they should immediately deleted this from my credit file which has been detrimental to my livelihood and my credit score.

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 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Coinbase is an exchange for digital assets. As part of the registration process, they require a payment method to be verified by customer sending small verification amount to Coinbase bank account from the customer 's bank account. This amount is supposed to be added to the customer personal coinbase wallet in a few business days. Following the instructions, on XX/XX/XXXX I sent XXXX EUR with a SEPA transfer ( this is like XXXX in XXXX ) to their bank account with the exact verification code they provided - XXXX. That amount was never recognized or returned. I logged a Support Case ID : XXXX on XX/XX/XXXX and followed up regularly every 2 weeks to which their support either did not  respond or responded with irrelevant auto-generated text. I understand that they may have loads of support cases, but 2 months without even an initial response is a demonstration of either discrimination by country of origin or simply intentions for theft if small amount and expecting people to give up seeking the service. The problem is aggravated as they also collect personal information - national ID or Driving License and do not provide the unsatisfied customer a way to clear these up upon split-up

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Student loan (Non-federal student loan) with SUNRISE CREDIT SERVICES, INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Questionable debt collecting agency XXXX Sunrise Credit Services XXXX Inc XXXX overcharging my account ( just added {$8800.00} to a pre-existing amount without explanations XXXX and withholding my tax form XXXX for 3 consecutive years since they starting collecting the debt. Is this company legit? Are they evading taxes? Something feels very wrong about this agency ... Thank you for your attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.

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 01-06-2016 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom it May Concern : I was sent a letter from my mortgage company with a return address of XXXX XXXX. Inside it mentioned a Bi-Weekly Program that promised to save me interest over time and I believed to be through my mortgage company. I signed up for the program and {$7500.00} was taken out of my debit account in XX/XX/2015. I learned on XX/XX/XXXX via a letter that it was a non-affiliated company, Nationwide BA and that they did not have bank funding to make my XX/XX/XXXX payment. I tried calling the company number provided to get a message, " We are currently experiencing technical difficulties '' and gave an e-mail address. I tried to e-mail but got an automated response. I have talked to my mortgage company and they received {$6900.00} from this company. Nationwide BA misappropriated {$510.00}. My bank reversed the last {$500.00} that was taken out of my account. I am not asking for the {$15.00} back from Nationwide BA but they are going to send the {$500.00} to collections that was reversed by my bank. When I tried to resolve this matter with XXXX XXXX at the extension provided XXXX XXXX Ext XXXX ) it hangs up. I waited on hold for over an hour and could not speak to a representative. I understand that the CFPB has filed a lawsuit against this company. I feel that this company misrepresented who they were to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America Credit Card Account number ending in : XXXX  Bank of America Case number : XXXX Dispute charges {$97.00} and {$98.00} I ordered a sample of XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00} & {$4.00}, respectively, on XX/XX/XXXX online. But I recived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the same brand ( XXXX ) on the Ad. Please see the attached picture.
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This company is not selling XXXX product. Please see the XXXX website : XXXX XXXX XXXX XXXX XXXX is selling for {$19.00} in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife tried the two samples for a few days and she found that they are no good ; they make her skin too dry and tight. So, I called them and cancelled the orders at ( XXXX ) XXXX on XX/XX/XXXX and their customer service rep confirmed that my order was cancelled but she didnt give me any cancellation confirmation numbers.
<P/>
Their ad mentioned that I could cancel this order within 14 days after I received it and tried it. This is an online order but they didnt provide any way to cancel this order online and could only cancel via telephone. It took over 30 minutes to talk to their customer representative.
<P/>
After the cancellation, one month later I found that there were two charges, in the amount of {$97.00} & {$98.00} on my Bank of America credit card bill. I called them again to protest the said two charges but their representative informed me that my account had already been cancelled and refused to provide a return authorization and return address.
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So, I claimed the dispute of charges and called Bank of America to stop the charges because the items were not the same as the online ad. Also, I had already cancelled my future shipment within 14 days after the first shipment. They also didnt provide any terms and conditions when ordering the items nor in the shipment and no information on how to return the merchandise and receive a return authorization and did not provide a return address.
<P/>
Bank of America promised to investigate this issue, but Bank of America failed and refused to resolve this issue and charged {$97.00} & {$98.00} without investigation.
<P/>
Please take care of this dispute and get a refund for {$97.00} & XXXX. I look forward to a quick action.
<P/>
Thank you.
<P/>
Sincerely yours, 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 08-12-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I had inquiry on my credit report saying that I applied for chase bank credit card ( XXXX ) i tried to call them to inform them that this was n't authorized by me so they can take it out from my report so they refused saying i have to wait until XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off an Afni XXXX account XX/XX/XXXX the original dedt XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

AFNI XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. ZERO BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY CONSUMERXXXX : XXXX : ACCT INFO DISPUTED MEETS FCRAXXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTXXXX : XXXX MAY SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX changed my bill without authorization, causing me to cancel my service. I canceled as soon as they notified me on XXXX XXXX, 2015 that my bill was going to be {$320.00}, however they took 16 days to process my request for cancellation and proceeded to charge me for those 16 days. Had they processed my cancellation promptly their systems would not have thought I had a pending bill. They then proceeded to put me into collection for {$110.00} that I did not rightfully owe them. I proceeded to pay it to avoid any impact to my credit and I intended to take the issue up with XXXX directly as opposed to the collections agency. The collections account has hit my credit 2 months in a row now, the alleged debt having been paid on XXXX/XXXX/2015, before either derogatory mark was applied, XXXX on XXXX/XXXX/2015 and the other on XXXX/XXXX/2015, to my XXXX report. I would like these removed from my credit history, my credit score recalculated without the derogatory marks, and a written apology from the CEO of XXXX for stealing from me and then ruining my credit even though I paid the amount they were asking for. I lost almost XXXX points from my credit score because of XXXX and Southwest Credit Systems L.P.

Company response to consumer: Closed
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove XXXX account from my credit reports that does not belong to me.

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