milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I had a home discharged through the bankruptcy courts in XXXX. Since then, Chase Mortgage harasses me on a weekly basis- through mail and calling my cell phone repeatedly. I have no idea what they are after since legally, I am no longer responsible for this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In 2012 this nightmare began, I had become ill and could n't get any assistance from Nationstar. Fast forward, now I am XXXX and still fighting with them for what is fair. They should have helped me in 2012 and none of this would have happened this way. Please see my timeline explanation for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Shopping for a loan or lease

Complaint: I went to apply for a loan through a credit union only to discover that I had a repossession on my credit and was denied the loan. I had never had a car loan with this company. I contacted the company and they said I was the primary signer on the account. I asked them for a copy of the signed contract and any information regarding the account. They told me they did n't have a copy of the contract and would send me the paperwork of when car was sold at auction. They did n't have an order of repossession. The account was opened over 9 years ago and closed almost 6 years ago. I have never received anything from them. I told them that this is fraud and they said to contact their fraud department. When I called the fraud department it was a voicemail recording. I left several messages for them to call me back and now been waiting a month. I called the company several times and got conflicting stories with each new person. I was told to file a police report but I do n't have any documentation to suggests fraud or identity theft either way. The finance company would n't tell me the dealership for me to contact them directly too. I would think there has to be a paper trail somewhere. The finance company TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical doctor was reimbursed by XXXX for customary and reasonable charges. He was upset with the amount and sent his full bill to Creditors Discount & Auditors. They placed a collection notice for the full amount even though I made 2 phone calls and responded in writing.

Company response to consumer: Closed
Consumer complaint received 09/28/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters sinceXX/XX/XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business wth2 XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
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 filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with Harris & Harris, Ltd. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harris and Harris Limited calls me each and every day about 7 times a day.
They have at least 20+ different phone numbers and keep adding more constantly.
I have saved some of them and can provide records.
False names are being using to get past my caller ID. This is a big issue is they come up with fake names always different each day new numbers. They show up such as " travel rewards '' or something else.
I have my phone set up to ignore callers without names and/or numbers in the caller ID.
As a result they create fake names and call me with those. They only leave recorded messages and no details.
I have told them many times to please put all the details in writing and mail them to my home address but they do not. It is a never ending cycle for over 2 years everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: TD Bank Mortgage continues to refuses to send me a billing statement for each billing cycle. 

TD Bank Mortgage is not crediting my payment on the day they receive it, and is waiting up to a week after my check is cashed to credit my mortgage account. 

I would attach docs to demonstrate this, but TD Bank is already aware. Also, CFPB has made it clear that they do not follow-up on complaints that get a response from financial institutions and are disputed by the complainant. The CFPB works for your bank!!! The CFPB will accept any response by financial institution as fact. Look at the database and see how often the CFPB " chooses '' not to publish the financial institution 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Investigation & Recovery Assoc. LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Investigations & Recovery had apparently been collecting on a debt for XXXX XXXX. This Debt was discharged in my bankruptcy Case # XXXX, XXXX. XXXX was giving the Stay order but instead they hired this collection agency in XX/XX/XXXX I believe in XXXX or XXXX to collect for the outstanding Balance. As this has transpired they have put not only XXXX collection entries but XXXX collection entries on my XXXX report. They had as of XX/XX/XXXX put on the report Included in Bankruptcy but refuses to remove the collection entry as it was reported after the bankruptcy was filed and the the stay order was already in place. They should have never put the entry on my collection report and it should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I am real estate attorney who is trying to pay off a loan being serviced by Seterus , Inc. Seterus refuses to give me payoff amount because they received this loan Fourteen days ago and have not yet sent my client a welcome letter. My client only wants to pay this debt off in full. Seterus has informed me that it will be another XXXX Days before a payoff can be generated, although they acknowledge that they are the servicing company for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency refuses to honor written agreement they accepted when they accepted payment

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 12-05-2016 about Debt collection (Medical) with Telerecovery Corporation (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After being removed or deleted from one credit bureaus files after being investigated by XXXX this collection agency, sending this information to the other bureaus like these are new collection account. I asking for this to stop and not share this information with others. Without approval. It is transferred from one to the other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Closing/Cancelling account

Complaint: I have XXXX Sams Club credit card. I had checked my credit and found that they had added another account. I was told that they opened a new account number and was going to delete the old account. I called twice and was told they would have it deleted from my credit reports. I disputed this duplicate twice with the credit boards and it still remains verified. For instance on XXXX, I have XXXX and XXXX with the same balance and credit line. They are updating these accounts to my credit report but will not delete the duplicate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Late fee

Complaint: My salary check is direct deposit on the XXXX of every month. In XXXX I sent my payment in with a post it note asking them not to deposist until XXXX XXXX. Because AMEX deposited my check earlier I received a NSF charge of {$34.00} from XXXX. I deducted the {$34.00} NSF from next months balance and sent them a letter documenting the course of events. From XXXX thu XXXX interest fee charges began to escalate for the {$34.00} non payment. In XXXX I sent AMEX the balance on my account and the chards of my credit card after the shredder. I did not tell them to close my account ... it was a message letting them know what I felt about their customer service. XXXX XXXX I received a letter saying, " We may increase your APR ''. " Cash rewards has been forfeited due to cancellation. '' After I received the letter I went online to access my account and it had been deactivated. I tried calling and when they asked me for my account number, they had no record of it. I received no statement in XXXX. XXXX I get a statement and AMEX wants {$2.00} for interest charged. I 'm livid that whoever opened my payment with the not asking for a XXXX XXXX deposit ignored my request. And correspondence from AMEX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, another one on the XXXX, and XXXX proves that the payment received department and correspondence department are n't talking to one another. I also sent a detailed letter inside a payment which AMEX claims they never received. This is a XXXX... note above that I was told in the XXXX XXXX letter that they will not be issuing my rewards money of which I am entitled. I can see now why XXXX is not dealing with AMEX in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on disability. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing disability checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a teenager that I gave up for adoption. It is not ok that the people I work with find out this way.

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 03-09-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: First week of XX/XX/XXXX I received a letter in the mail stating that XXXX XXXX XXXX XXXX would soon become American Express XXXX Honors " XXXX " ( not sure if that is correctly spelled ) card. I assumed that XXXX XXXX  would close my account, send me a bill and Amex would send me a new card. None of this happened. Instead I am flying out for work and my card didn't work any longer. I called XXXX bank from the airport and they explained that XXXX sold their account to American Express and XXXX has no way of viewing or sending me any other information. Everything is now in the hands of XXXX. I call XXXX with a number provided by XXXX. After a half an hour of talking to them and explaining that I have not gotten any info from them or a card. They said they would rush one to me as I returned from my work trip. Nothing came. I called on Tuesday XX/XX/XXXX and it was supposed to be to me no later than Sat. XX/XX/XXXX. I called back from the airport on my next trip and again another half hour and three reps and I told them to close my account and bill me. Then they sent me to another rep who started all over again. Then they emailed me after and I returned the email to close my account and bill me. I don't want to do business with this kind of company that can not be professional and responsible. I don't know what to do at this point. I want my bill so I can pay it off and close the account. But I keep getting no where. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: A Collection Account by XXXX XXXX XXXX, dated XX/XX/XXXX, was placed on my Experian Credit Report. The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with XXXX XXXX XXXX XXXX XXXX, AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which is 8 years ago. The Date of First Delinquency, from the ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX ), must have been RE-AGED in order to place this Collection Account on my Credit Report. RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency from the Original Creditor ( XXXX XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore this Collection Account is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Debt collection (Credit card) with Assured Financial Partners (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The associate at First Equity Alliance was very condescending and spoke over me in my attempts to get documentation mailed to me for confirmation. He was very rude and unprofessional. To act as if they are mediators yet berate the consumer is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: Requested balances as of XXXX/XXXX/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation