milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon careful review of my credit reports I found a collection agency listed attempting to collect a debt on behalf of  XXXX . I have never had a  XXXX  account nor did I ever apply for a  XXXX  account. I have tried to make several calls to this agency but have not made any contact as there was a constant ring on the other line. This collection agency never made any contact with me via in writing or by phone so I was never aware that my name and social was used to open an account with  XXXX . This collection agency has not mailed any written communication for me to dispute this account.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those  lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Transaction issue

Complaint: My Capital One account credited my credit card on the XXXX of XXXX for a payment made on the XXXX from XXXX. The payment was returned for NSF on the XXXX of XXXX, but I have been assured by XXXX that the payment went through. On the XXXX of XXXX I noticed the discrepancy. I contacted both banks and was told to wait a few more business days before the credit showed up to my account. I waited until the XXXX and nothing had been returned. I spoke with representatives from XXXX banks including Capital One 's payment investigation department. I was informed by capital one that I needed to send proof that the payment had gone through that was made from XXXX on the XXXX over fax to XXXX. That fax was sent on the XXXX. Capital one stated to me today that they had not yet received the fax. I called XXXX and had them fax the statement again and I 've been getting the run around from Capital One all day on the phone. We even had XXXX 's bank representative on a three party call and the representative confirmed that the payment made on the XXXX had been taken out of my account, but was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX  VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692-1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX COUNTY FLORIDA This complaint is to request for Sanctions against XXXX XXXX XXXX   XXXX XXXX violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX County Florida ( case # XXXX ) to defraud complainant. 

SinceXX/XX/XXXX XXXX XXXX XXXX willfully failed to disclose Notice of Verification Debt request. Exhibit 1 On XX/XX/XXXX XXXX XXXX XXXX was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). Exhibit 2 XXXX shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, XXXX XXXX XXXX ( XXXX ) open a third ( 3 ) legal Action of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Exhibit 3 XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX   XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX. Exhibit 4 XXXX XXXX XXXX the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, XXXX XXXX XXXX have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 

XXXX XXXX XXXX commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer XXXX XXXX XXXX criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I apply to refinance my home laon with this morgage company XXXX has a program called HARP. Harp program is for people that have mortgage problems or issues in XXXX. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when XXXX person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because bank of America screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why bank of America was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues

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 03/31/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Shopping for a loan or lease

Complaint: Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for ALLY FINANCIAL to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 11/16/2016 about Debt collection (I do not know) with Capital Accounts, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have disputed this debt under my FCRA and FDCPA rights and it is not marked as disputed and is in violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Credit Adjustments Inc (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Credit Adjustments, Inc out of  XXXX , Ohio has repeatedly been told that I dispute the claim of the debt they are calling about as well as to never call my business phone number again. They call at least twice a week and have not stopped. Today I emailed them through the   XXXX   XXXX   XXXX   XXXX   the following letter ( they do not have an email on their website ). It went to   XXXX   XXXX   who is listed as the president of the company :   XXXX   XXXX     XXXX    XXXX , 2017 Credit Adjustments, Inc.
To whom it may concern, I am responding to your contact about collecting a debt. You contacted me by phone, on  XXXX / XXXX /17at my place of business. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. This notice is in compliance with the Fair Debt Collection Practices Act and you are not permitted to contact me via  XXXX  at any time in the future in regard to this matter as that is a public line and others will have access to it. I have retained two copies of this letter and will be submitting one to the Ohio Attorney General if you persist as well as the Better Business Bureau.
Thank you for your cooperation. Sincerely,   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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this issue backs from XX/XX/XXXX when XXXX  XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to XXXX XXXX  in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on XXXX  and XXXX  XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to XXXX? 
More recently year by end year XXXX I contact XXXX to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. XXXX does report my credit card activity on Experian card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " XXXX never reported payment to Experian even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. Experian only state my comments. 
XXXX XXXX, always send a letter to me after I do request them to report Experian and fix the problem and last said on second paragraph " ... .XXXX reported this account as a paid charge off. Per Experian, this account is reporting as a paid charge off '', my question are, is it Experian will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by Experian not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why XXXX never report to Experian? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.

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 01/19/2016 about Bank account or service (Other bank product/service) with Comerica (LA).
Issue: Using a debit or ATM card

Complaint: I have a dispute with Direct Express Dispute Department concerning a transaction on my direct express debt XXXX. This dispute was opened on XXXX XXXX, 2015, I submitted documents on XXXX XXXX, 2015 and the dispute was closed on XXXX XXXX, 2015, base upon conflicting information. They stated I wrote XXXX XXXX, 2015 verse XXXX XXXX, 2015 as the last time I used the card. I resubmitted a letter concerning the error with the date and stated at the time I open the dispute I stated XXXX XXXX, 2015 as the last time I used the card. On XXXX XXXX, 2015 the dispute was put into Fair Hearing Status. I was told it could take 30 days and I was also told there is no time frame concerning the Fair Hearing Decision. I believe without no timeframe it could take years before I receive my money back. I provide d the police incident number and the XXXX who are working on the case, her name is Officer XXXX XXXX she can be reach at XXXX or XXXX. The direct express dispute number is XXXX open on XXXX XXXX, 2015. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX, XXXX, LA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Advertising and marketing

Complaint: on or about thursday, XX/XX/2017, upon logging onto my American Express premiere rewards gold card account, an offer was presented to upgrade to Platinum card with a XXXX Membership Reward bonus for a {$5000.00} minimum spend within 90 days. I clicked on the button ( link ) that said apply for upgrade, and was immediately approved. A few days later, i inquired about some charges and mentioned that offer, and was told that bonus offer was not attached to my upgrade. no one knows why, and everyone refutes such offer exsists, yet i have a screen shot of the offer, and was even on the phone with a rep about the offer at the time of the upgrade. i met my requirements within one day, and American Express needs to fulfill their side of the offer, and not dispute the fact that they even offered that to me to begin with, as they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Account opening, closing, or management

Complaint: Chase Bank closed my account on XXXX/XXXX/16. I had {$450.00} in the account as of that date -- with no outstanding checks or debits .... I was told that I had to wait 10 days before I was to receive the balance of funds ... ... It is now XXXX/XXXX/16 and I have not received my money from the account ... ..I have contacted the bank a number of times regarding this problem -- -only to be put off with " we sent you a check '' or '' we are conducting a search for the check '' or come into the bank to see a manager who will assist you who is never there ... It is my money -- -I live off my Social Security of {$810.00} a month -- -so that is a great deal of money for me to lose ... .I do not know why the bank will not give me the money -- it offers no reason or excuse

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 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: Old information reappears or never goes away

Complaint: On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, XXXX and Experian ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.

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 01/28/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today XX/XX/XXXX, I received a notice from a collection agency, Convergent, stating they are trying to collect a debt amount XXXX claiming that I owed to XXXX. This has been a recurrent problem with XXXX. I have not had an account with XXXX since XXXX  when I lived at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. I vacated that apartment in XXXX, XXXX and closed the XXXX account, paid the final balance, returned all the equipment. Apparently XXXX at some point reported or sold some innaccurate information about an account to a collection agency. Every year or so I get a notification from a collection agency about some amount owed to XXXX. I have repeatedly contacted XXXX about this and that company and their collection agencies keep sending me these claims. This now constitutes harassment. I do not owe anything to XXXX and want the CFPB to act to stop the collection agency, and stop XXXX from continuing to harass me about a debt that I do not owe. The address of Convergent on the notice is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. The Client Account number on the notice is : XXXX. The Convergent Account number is : XXXX. 

Signed, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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