milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL 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 DOCTORS BUSINESS BUREAU XXXX 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 Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize XXXX checking my credit, I have had an account with them for some time and recently received information from them stating that my credit limit had been raised. I placed an order on XXXX XXXX, 2017 as a XXXX gift. I was charged in addition for the merchandise, {$41.00} for expedited shipping. The merchandise was never received, I noticed last week that they had checked my credit. I monitor this report frequently and did not authorize anyone to check my credit. I spoke with them today and they told me I had to call back to cancel the order because it had shipped today. I sent them an email on XXXX XXXX cancelling the order because it did not arrive on time. I called today to cancel the order again when I was notified it had shipped today. They told me there was nothing they could do and I should wait a few days and call back when the order was delivered. The persons I sent the order to will not be at the address any longer so I do n't want anyone else getting this merchandise. They told me today that the reason it was late was because they had to check my credit. I did not authorize this and would have paid for this order rather than have a hard hit on 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 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (DE).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I am receiving a Six Month Fixed Rate of 8.99 % and then it goes back to Prime + 16.74 % ... I do have a excellent credit score of 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 09/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collector is reporting a debt that the original debtor is no longer reporting on any reports. The original debtor is no longer reporting the debt, because the statute of limitations has occurred. The last payment date will be 7 years on XXXX XXXX, 2015. 

Although it is only a few weeks away, Asset is the only debt collector violating the federal rule to no longer report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with Hillcrest Davidson & Assoc (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX. Installed equipment in my home back in XXXX. At the time the company misrepresented themselves as being XXXX. After I question company after install I decided to canceled. At the time I paid in full what was owed. After misrepresenting themselves as XXXX I could not in good conscious continue after being deceived into a erroneous contract.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies ..Experian,  XXXX , and  XXXX .     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed, Experian and  XXXX  still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy

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 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is the holder of my student loans. I 've come to learn that they have broken my 4 consolidated loans into 18 different loans to create higher interest rates for me. They also, have failed to notify me more than once that my IBR was going to expire, because for whatever reason only know to them, they changed the contact information they had for me to an address I have never lived at, a phone number I have never had and email address I have never had. I discovered this after they directly took out over {$700.00} out of my checking account and placed my account well below a zero balance. To fix this problem I had to spend more money to get placed back on an IBR, because they have " policies '' that basically exist to bilk money out of people for their mistakes and you basically have to do it like I did to be spared from more financial scrutiny at their hands. I was never given a choice to have Navient as the company holding my student loans and clearly they have lied to me and looked to make it impossible to pay-off my loans plus interest in my life-time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lazarus Financial Group, Inc.(Closed) (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I believe this is a scam by XXXX XXXX. They are asking for XXXX but I had no debt. I believe this is a mistake. I rented an apartment ( duplex ) from them from XXXX had left the apartment in immaculate condition ( better than when I moved in ) and paid a professional service XXXX XXXX XXXX clean the apartment, including the bathrooms, behind the appliances, and ceiling fans and shampoo the carpets. I have a receipt for {$350.00}. I have pictures as well. I even cleaned out the garage floors. It was n't even dirty to begin with I am a very clean person, living alone. There were no damages to the walls, I did not even hang any paintings. They did not complete a walk through with me because it was a holiday weekend and they were closing early. Not only did they they not give me my deposit back, they billed me an outrageous amount of money for normal wear and tear such as painting, but again, I did n't damage anything. There were previous cracks in the tile which they knew about. I also changed the locks ( With their permission and still kept the original ) and they said I did n't have to change them back just drop off the keys. I wrote them to inquire what those charges were for and that I believed that they were they may have confused me with another tenant and they wrote me a nasty email back and sent my information to collections. I believe I went above and beyond. I was very cordial and tried to work with them but got frustrated. I recently searched the intenet and found XXXX XXXX had done the same things to other previous tenants. Why they would try to intentionally damage someones credit I do not know except to hurry them so they could not rent from someone else. I am considering initiating a class action lawsuit for the false accusations. I had a friend who rented from them who had XXXX dogs who destroyed the apartment and they treated me just the same as her which I thought was not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

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 Debt collection (I do not know) with High Point Asset Inc (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company will not identify themselves and continue to call repeatedly threatening legal action. They have called more than 20 times in the last 2 weeks. They have also called my father and left threatening voicemails.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX ( now owned by Keybank ) allowed a payment to go throught that I did not make to a payday loan. When they investigated it they wanted me to speak with company and give my personal info out. I refused and XXXX XXXX sided with fraudlent company. I continued to fight them even filed complaint with CFPB when it happened. I was going through a bankruptcy and included this in it and was discharged in XX/XX/XXXX. While going to op ; en a new checking account it was found they have me listed fir XXXX owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Student loans being reported by XXXX XXXX, XXXX, XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Forbearance / Workout plans

Complaint: I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX XXXX stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. XXXX contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.

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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX. 

I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien. 

The title company has not since been able to get any response from the attorney. 

The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Other debt) with Collection Bureau of the Hudson Valley, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On X/X/17 I filed a complaint against the Collection Bureau of the Hudson Valley for failing to provide adequate verification of a debt. The company 's response was that they would provide this information. As expected, I have not received any mail from this agency - yet this unpaid bill sits on my credit. Below is their previous response - " X/XX/17 We mailed this consumer letters on XX/XX/17 and XX/XX/17. On XX/XX/17, a collector asked to verify the consumers current address. The consumer stated the address we had on file was a previous address but the consumer did not want to update her new address because her mail was being forwarded. I updated the address on this account to match the address listed in this complaint and have requested a copy of the itemized bill from our client. Once this information is received we will mail a copy to the consumer at the address listed on this complaint. We will cease all phone calls to the consumer regarding this account as per the consumers request in this complaint. This account is being reported to the credit bureaus as disputed. '' As I have not received the bill from the original creditor, or have I received a bill from CBHV, this remains an outstanding issue that will remain in dispute. The only change is CBHV is not calling me, but this company is allowing me no recourse or remedy in resolving this issue. 

Reminder, I also contacted XXXX and spoke with a supervisor. This person advised they could not provide any information because the issue was being handled by CBHV. This person referred me back to the agency. When I advised the supervisor of how this was handled and asked how I could confirm and pay the debt if it was valid, they stated I could only get information from CBHV. Again, this leaves me no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Payday loan) with ATG Credit, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company named ATG Credit has been calling me, they also put some information on my credit report. The person i spoke to yesterday was very rude, and she asked me why was i calling this company. She said the company had been calling me since XXXX. so i knew the reason. I asked her why did the company put some information my credit report before they knew if they had the right person. I asked her to send me some information on this bill, because i have no information, and i do not know anything about this company. She said she was going to put down that i refused to make any payment, and hung up. I called back and spoke to some else to complain, asked them to send me a copy of the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX Student Loan XXXX XXXX for a remaining balance reported to them by American Education Services of XXXX loans. This balance has been accruing interest for almost 9 yrs without my knowlege or notification of a past due or outstanding payment. These loans were both paid in full on XX/XX/XXXX through a consolidation loan I received from XXXX XXXX ( now XXXX ). Original loan documents as sent to me by XXXX are attached showing paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: transunion is currently reporting a paid and closed account on my credit file as - current status : 120 days late - this account was paid and closed XX/XX/2014- the current status should be paid and closed not 120+ days late i tried applying for credit and i was told i have a current 120 day late reporting as current by the creditor. This is incorrect and false reporting and a current late is very damaging to my credit file. I 'm working very hard to better my credit and this current status reporting is very damaging and misleading to the creditor. 

XXXX XXXX Current Status:120+ DAYS PAST DUE

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 06/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Closing/Cancelling account

Complaint: This complaint is being filed against American Express Corporation 's handling of my account during the transition from AmEx 's XXXX True Earnings card to XXXX XXXX 's XXXX card. To effect the transition AmEx was to transfer the accounts to XXXX XXXX. On XXXX XXXX AmEx sent a letter that my account would not be transferred and I would be issued an XXXX XXXX card from AmEx instead. No reason was given for not transferring the account. ( Copy of XXXX AmEx letter attached. ) XXXX confirmed that the account had not been transferred. Contacted AmEx and was initially told that XXXX had refused to accept my account. When I asked for documentation from AmEx that XXXX rejected my account, the response was that the documentation had to be subpoenaed. Re-contacted XXXX who vehemently denied that the account was rejected. Called AmEx back only to be told by another AmEx employee that the transfer was not rejected by XXXX and that AmEx wanted to keep their " high value '' customers and unilaterally made the decision to not transfer those accounts to XXXX. 
The result has been an AmEx credit card that we do not need or want. FICO score will be decreased if the card is cancelled. We do not have a Visa card, so now we must apply for yet another card to access our XXXX membership. Again, a decrease in FICO score. 
The fact that AmEx never did reveal the real reason the account was not transferred and then attempted to provide erroneous information as to the reasons why leads one to the conclusion that this could be a " gray '' area in consumer financial protection. The bottom line is that AmEx eliminated my options without my permission, This appears to be a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation