milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Eastern Account Systems of Connecticut, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , WA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX   XXXX  : Acct #  XXXX  To Whom It May Concern : This letter is in response to your recent claim regarding Acct #  XXXX , which you claim I owe {$320.00}.   Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.   Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.   As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.   I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.   Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.   I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that y ou may be lia ble for your willful non-compliance.   Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of  {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )   You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX   XXXX  :  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 been disputing the consumer credit reporting agency, TransUnion for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent TransUnion was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts 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
Consumer complaint received 10/31/2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I was unable to work due to health problems and was asked to return items i did and my credit would be clear of any defaults and it is still reporting to all credit bureus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Non-federal student loan) with GC Services Limited Partnership (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt creditor has NOT provided sufficient verification to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

Independent Dealers Advantage, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my husband it was cosign of credit card and they be on to him they took money from our account and that money was belong to my rent they do n't care the also been aggressive and unprofessional harassment me call me a job also call my house at XXXX and Sunday early morning

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Before applying for the income contingent plan, I have had a really hard time with XXXX trying to get my student loans paid! After being deferred for quite some time I have incurred many fees which have put me further behind on payments! I am still being charged large sums of interest on the income contingent plan

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (RI).
Issue: Managing the loan or lease

Complaint: I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with Cooling & Winter LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. 
I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Select Portfolio Servicing is a debt collection company who has been harassing me daily. I sent them a debt validation letter and they never respond with the proper paperwork. In the mean time they continue to call my phone, left notes at my door. They are trying to foreclosure on me and I do n't know who this company. According to the FDCPA they are using deceptive practices to steal my home and also I did n't give them consent to contact me nor did they have express permission from a judge or court order saying that they can contact me. 
I know my rights are being violated. I am tired of living in fair and this is affecting my entire family. 
I am currently overwhelm by this company actions, I am suffering from XXXX, XXXX, XXXX and many more issues. 
See attached some correspondences from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with ERC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Enhanced Recovery   Group is trying to collect on a debt that does not belong to me. They also can not show proof o f any contract for the said debt.

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 03-07-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit reports and discovered a negative listing reported on all three major credit reports. A debt collection agency called Medical Data Systems has been reporting medical debt that is not mine. I have no knowledge of the debt, other than it being listed on my credit reports. I immediately disputed the negative listing with XXXX, XXXX and XXXX. I received my updated credit reports with this collection account coming back as verified with no further information. As per the CRA instructions, to receive further information, I contacted Medical Data Systems with a debt validation letter because I wanted to see any proof that I supposedly owed this alleged debt. I wanted to see a contract bearing my signature on this debt, I wanted to see anything that would show I entered into any agreement verbally or physically, I wanted to see anything that remotely tied me to this debt that was, by the way, not even in my hometown or even in my state for that matter. They responded in part by saying, " there is no basis in law to substantiate your right to such information ''. In addition, they did send me a copy of a paper stating " THIS IS NOT A BILL ''. It appears to be a listing of medical services that may or may not have been performed. It may also just be a quote or similar, I 'm not really sure what this paper is or who it pertains to. It only has my name typed at the top. It DOES NOT have my social security number, my birthdate, or my signature anywhere on this paper copy. The paper also says to call them to discuss payment arrangements. This debt is not mine, or anybody that is associated with me. This negative account information continuing to be reported by Medical Data Systems is harming my credit score and my reputation and my quality of life.

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 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$2.00} Balance MEADE AND ASSOCIATES XXXX, OH XXXX XXXX {$54.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Collection account Remarks Meade and Assc. have added debts to my credit report that have been paid and agreed to remove from my credit report. Aside from the above example from my XXXX there are XXXX closed collections that were to be removed from my credit report those debts do n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brennan & Clark, Ltd., LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX auto-renewed a policy I cancelled, and stop payment on, then sent me to a very hostile and aggressive collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (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: I paid {$6000.00} to XXXX XXXX XXXX XXXX XXXX to repair my car on X/XX/2017. using my Discover Credit card check ( # XXXX ), Two weeks before i went to go pick up my car, I told the owner i will be coming to get my car and he said okay. When the time came, he did n't pick up his phone after I tried calling him many times and when i went to his shop, it was closed. Later, I found out the owner of this place shut down the shop. I was able to retrieve my car from the towing company and found out my car was never repaired. I filed a dispute with Discover Credit card company in the amount of {$6000.00} ( claim # XXXX ) in regards to the mechanic not repairing my car. However, the Account manager refused this dispute because they stated it was a balance transfer so it does not qualify for a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experien credit bural never did anything about my complaint, They have me down as past name XXXX XXXX? that has never been my last name I asked them 12 times in 2 yrs to fix it and they refuse. 
They also have me down at XXXX address on XXXX in XXXX ill XXXX and XXXX I never lived their or any address on washtenaw and they refuse to take in correct address off. they also have me at a address in XXXX ill? never live in XXXX and i asked them to take it off. they got mad at me so now they block me from dispputting online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (NY).
Issue: Managing the loan or lease

Complaint: I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As a result of the 2017 Equifax Data Breach, Equifx notified me that my personal information may be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I am a XXXX-year-old XXXX writing to dispute CareCredit 's deceptive interest rate and credit card enrollment practices. A year ago, I signed up for a CareCredit/GE Capital Retail Bank to pay for emergency dental treatment at XXXX XXXX in XXXX XXXX. After making payments for a whole year, I am very upset to receive my latest statement dated XX/XX/XXXX, which shows that my interest rate suddenly jumped from 0 % to 26.99 %. All of the sudden, my total interest charges increased from {$0.00} to {$530.00}. As a result, my balance increased from {$1000.00} to {$1400.00}. 

Nobody at my dentist 's office ever told me when I signed up for CareCredit that the rate would suddenly increase from 0 % to 26.99 % or that the interest would accrue during a promotional period. Nobody even gave me a copy of the credit card agreement. 

As you know, the federal government has already ordered CareCredit to stop these deceptive practices, but CareCredit is still doing the same thing ( under its new name CareCredit/Synchrony Bank ) and targeting vulnerable consumers who need medical or dental care. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered CareCredit/GE Capital Retail Bank to refund up to XXXX to consumers who were victims of deceptive credit card enrollment tactics. At doctors ' and dentists ' offices, consumers were signed up for CareCredit credit cards that they thought were interest-free, but were actually accruing interest that kicked in if the full balance was not paid at the end of a promotional period. That is exactly what happened to me, so I believe that I am entitled to a refund under the XXXX order dated XX/XX/XXXX. 

I am asking you to ( 1 ) refund these unfair interest charges immediately and ( 2 ) lower the interest rate back to 0 %. My next payment is due XX/XX/XXXX, and I am a XXXX on a limited income, so please help me. If I had known the truth about CareCredit 's deceptive practices last year, I never would have signed up for this card. In the meantime, I will submit a complaint to the XXXX ( XXXX ) also. Thank you.

Company response to consumer: Closed with monetary relief