milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU 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 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 XXXX XXXX, XXXX 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 Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 've disputed a XXXX debt with XXXX, Equifax, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my Equifax credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with CAVALRY INVESTMENTS, LLC (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. 
Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. 
Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. 
In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. 
I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. 
So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. 
I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. 
Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Debt collection (Auto) with CCS Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. 

Have send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. 

Have sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I missed last XXXX month payments on my loan due to a divorce process. I contact Green tree llc. to modify my loan. But they deny the loan modification. I tried to a payment arrangement with them but they refuse to work any plan. So i finally able to come up with the full past due amount and schedule to make payment on XXXX XXXX. I spoke with XXXX ( supervisor ) and want her to give me assurance that they will not foreclose my property. She told me she can not do that. She did n't want me send any document that i made the payment arrangement. I am unable to get any email from them to show that i made the payment arrangement. I am afraid that i will pay the full pass due amount and they will still do the foreclose procedure and i will lose my house. Please help me to figure out how to save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i have sent XXXX certified letters to equifax asking them to verify and valadate the tax lien thats on my credit file. after they said they verified it i asked for a judgement or any proof. they havent sent me any proof neither have XXXX XXXX courthouse which i sent XXXX certified letters to. After speaking with the bureau letting them know i have never recieved anything from the irs stating that i owe this state debt and no one has sent me any verification it is only fair they remove it. they told me to go talk to someone at the court house. i explained i spoke with several people their and continue to get the run around. they told me the debt was paid and it will update on my file. i told them i didnt pay it and its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Medical debt) with Harris & Harris, Ltd. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was turned over to collections by my hospital and the collection agency Harris an Harris contacted me for money. I paid {$1000.00} from my husbands Health savings account on XX/XX/18 and they can not find the payment. I faxed the statement to them showing the payment and contected them today and they still cannon find the payment. They said they are going to report the rest of my outstanding balance tyo the credit agencies since I still owe it and I told them that I can not make another payment until they find my {$1000.00}. She said it does not matter, I still owe the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with AFNI INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: Hello, I have been banking with Bank of America for over 25 years. Today, I tried to log into my account and could not. I contacted Bank of America and I was informed that they closed my account for business reasons and there was no other explanation from them. I have never bounced a check, I have excellent credit, and I have never had banking related issues with bank of America. I have a lot of auto ACH transactions with BOA that have been set up for years and suddenly shutting down my financial life without any notice or explanation has created tons of problem for me. How can this be legal? Why wo n't they give me time to move my relationship, how can they create such a financial burden for me without cause or notice. This is unfair.

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 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I requested a block on some reports based on identity theft, request was denied. i never received or gained any goods or services as a result of the credit. 
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.

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 12/28/2015 about Debt collection (Medical) with Credit Clearing House of America, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are attempting to collect a debt that is not mine. It is a medical bill co-payment for my children under their fathers health insurance. I am not married to thier father. Our divorce states that he is financially responsible for medical insurance and expenses. I have notified the company of this by phone at XXXX. I have been getting repeated collection letters. After calling to notify the company that I this is not my debt on XXXX/XXXX/2015, I was yelled at on the phone by the answering representative who demanded to know my relationship to the insured and insisted that as a parent I was " 100 % responsible for the bill. '' I asked to speak with her supervisor. She then told me she was the supervisor. I asked to speak to her supervisor, after a brief hold, I spoke with a someone who identified herself as XXXX XXXX of Credit Clearing House of America ID # XXXX. She states that she has no direct phone extension and that the only other supervisor is XXXX XXXX, also with no phone extension. She refused to provided me a name for an owner or higher up representative of the company. She states that it is not her responsibility to investigate this claim and suggests that I send a letter addressed to the unnamed " owner. ''

Company response to consumer: Closed
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is the worst company, you ca n't even pay additional loan amounts unless you call in a payment or send in a check. It 's been going on over a year since their new website launched, it is like they are doing it on purpose so they can milk more interest out of me. They have severely failed their customers, I work in XXXX as a XXXX at a college so I am not some novice when it comes to this field. I am being punished because of their faulty practices, I spoke with XXXX who has followed up with me after my complaint to the XXXX. of XXXX and she has been helpful but she does n't run the company. How is it that a website can ONLY allow you to pay what is due? If I wanted to add {$50.00} to my payment I can not unless I send a check or call them, this is a ridiculous solution in XX/XX/2017 when everything is online and mobile. I never had issues before they broke off from XXXX XXXX, XXXX XXXX was no treat but I could at least pay more money monthly into my loans. I do n't even know if my loans have been properly serviced over the years, if I was a betting man then I would guess there are all kinds of errors on them and the payments have n't been properly allocated. I really feel I am owed something from this company, I myself have thought about legal action which would be expensive but I have family who work at law firms as well as friends who would most likely be willing to assist. I am sick and tired of the excuses I get from Navient, telling me I do have options to pay additional principal via phone or sending in check is a pretty weak solution to their website seemingly purposely not allow you to pay off your loans quicker. No other servicers have this issue. I really want this to be seen because I am in the party who is trying to pay their loans off ASAP and Navient makes it XXXX near impossible and their solutions are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have called this company multiple times to get validation for this debt. They do not have information to validate or verify that this account belongs to me. I spoke with 5 different representatives and no of them were able to locate an account in my name. However, this negative account is still showing up 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 05/31/2016 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: I applied for credit and was declined but never received a letter of declination. I did complete and online application and waited more than 20 days for a credit decision to be made when they state much faster review times on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX My mortgage was transferred to Nationstar Mortage LLC from XXXX XXXX Co. 
I mailed my monthly payment to them as instructed with new loan number written on check. I also sent this payment certified mail. This payment was never applied to current loan account. Instead, payment was applied to an old loan account I had with company from XXXX. This old account has been closed. My XXXX payment is sitting in unapplied funds for old account, as I can view this when I login to my account. I have been calling trying to get this resolved. I made my XXXX payment, also certified mail, which was then applied for XXXX because they ca n't seem to move the funds from XXXX loan account to another for XXXX. I made another payment today ( XXXX/XXXX/XXXX ) on line to make account current and to avoid late fees and negative credit reporting. 
I have detailed notes from XXXX until now with the names of various " representatives '' I have spoken to. Every time I speak to one they respond with " I will submit a request and it takes XXXX to XXXX hours. '' I then call back for follow up and get the same response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had my credit pulled and found a collection item from a company called procollect for {$940.00}. i called them and was told this was from physicans emergency care someone who i never received service from asked for a itemized statement they refused said pay or they would make thing worst. I contacted XXXX XXXX XXXX to find XXXX WAS TERMINATED FOR FRAUDuLENTLY BILLING HOSPITAL PATIENTS, TRIED TO CONTACT THEM to dispute BUT THEY FILED BANKRUPTCY AND ARE NO LONGER IN BUSINESS. procollect has violated my right to privacy and the hipp act. this is not a valid debt they have cost me harm my credit score has been negatively affected dropped from good to bad

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: This is a short sale with CitiMortgage. Everything has been approved except for the purchase price. The licensed INTERIOR value by a local XXXX appraiser who went out to the property was XXXX. CitiMortgage 's employees in XXXX pulled computer comps and are demanding XXXX with no doubt the outstanding balance in mind ( not fair market ). Short Sale Lenders are to use the actually licensed Appraisal, but CitiMortgage is taking it upon themselves top use their own computer comps. They even told me..no one was supposed to tell you that bank ordered value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed Bankruptcy in XX/XX/XXXX and it was discharged back then, but for some reason Equifax decided to update my bankruptcy in XX/XX/XXXX and now I do n't qualify for financing. By law they are not to damage my credit report after a discharged bankruptcy. My loan officer has given me a letter stating this fact of loan denial. I paid the price for my bankruptcy and now they still continue to hurt me!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, I have contacted Experian about my credit information 14 times, through the web and several calls. The problem is the personal information that I am providing, name, address, and SS, that I am providing, does not match what they have in the system and I told them that is who I am and I can prove it. But, time and time again, they kept telling me sorry we can not help you unless I provided the correct information, which I told them that I am and they basically said, sorry we can not help you. I kept asking who I can talk to, so I can show them who I am and prove to them that who I am is the person with the SS, but they kept telling me sorry we can not help you, because the information I provided does not match what they have in the system. After the 14th call and several weeks of trying, I went straight told the person that I needed to talk to their supervisor and I told the supervisor, that the problem I having is my personal information that I am providing does not match their system and that I can prove who I am and that my SS and all information that I can provide is correct and what Experian has is wrong and I believed someone is using my SS. I asked her who can I talk to or how can I make an appointment to see someone to show them all the proof I have on who I am and get this fix, which was affecting me getting a car loan and to my surprise, after I gave my personal information to the supervisor, she said, sorry we can not help you, because the information that I provided does not match their system. Keeping my calm I said to her, I know, that 's what I told you at the beginning of the phone call and that is why I wanted to talk to you, because I believe someone is using my SS and she basically said, sorry since the information you provided does not match what is on file, they could not help me. I could n't even open a dispute because the information I have does not match their system. That was about 3 years ago and time and time again I keep getting denied credit from companies that only use Experian as their only source. The other XXXX reporting agencies I have no issues with and can view all my credit information, except Experian. I stopped trying to get this resolve, since I figure there was no help, till I read about this page that can help people like myself. 

Thank you very much for your time and quick reply,

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