milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2016 about Debt collection (Medical) with PMAB,LLC (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently I visited an ER, and later my insurance company, less a {$35.00} deductible paid the bill. 

Yesterday, I tried to rent an apartment and was asked for a larger deposit, due to the recent tradeline placed on my reports by an unlicensed to conduct the business of a collection agency in the state of Arkansas, Professional Medical Adjustment Bureau. 

I obviously dispute the alleged debt, but was given no opportunity to dispute because this debt collector did not send to me, within five days of its initial communication to me, my XXXX rights under the FDCPA. 

In my circuit, reporting to a credit bureau is a communication to the consumer and considered debt collection activity. See, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( " '' The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver. Consistent with the view of the FTC-and consistent with the views expressed in XXXX, XXXX, and Semper-the court finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( b ) when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. " ) ). 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX XXXX ( Reporting to credit bureaus is a communication within the FDCPA. ) ). 

Banks v. XXXX XXXX XXXX, XXXX WL XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ) ( Rejecting the argument reporting to credit bureaus is not debt collection activity ) ). 

This collection agency has violated the FDCPA and the Arkansas XXXX, by failing to be licensed to conduct the business of a collection agency in the state of Arkansas, but nonetheless communicating with me through my credit reports and attempting to collect a debt from me via my credit reports. 

If this illegal reporting is not removed from my reports, I will file a private action in the United States XXXX for the XXXX XXXX of Arkansas. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.

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 monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 would like some intervention because TransUnion is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : XXXX XXXX XXXX XXXX is reporting this account as paid. 
TransUnion is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!

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 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: I cancelled my American Express card after they allowed a third party to bill me for a transaction that they should not have been able to bill me for - despite overwhelming evidence that AMEX should not have billed me, and after assurances that they would not allow that billing to happen. After lengthy debate with the third party - that party removed the charge - however, as AMEX had failed to protect my assets ( after acknowledging that they have had hundreds of complaints about the same company for the same reason!! ) I maintained my position with regards cancelling my card. I have requested an ACCURATE, up to date bill from AMEX several times - to date - they have not provided one. I have written to XXXX XXXX himself 3 times to try and get a resolution - this is still not resovled. 

The issue is that after 30 days they have started calling my work - despite several requests for them not to - again, in writing and directed to XXXX XXXX himself. They have my cell number but insist upon calling my work to demand settlement of a bill they have not even tendered accurately.,

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Other bank product/service) with Selene Finance LP (GA).
Issue: Making/receiving payments, sending money

Complaint: In XXXX of XXXX, I had an insurance claim for water damage on my house. The repairs were inspected at 50 percent completion on XXXX XXXX XXXX as required by the mortgage company Selene Finance. After being contacted by Selene that funds would be released, those funds have NOT been released as of XXXX XXXX, XXXX and Selene will not provide a date for the release of the funds. I have provided Selene with receipts totaling over XXXX dollars out of my own pocket for materials. This has halted progress on the restoration of my house and is causing a loss of use as I do not have a functioning master bath or bedroom still. I have contacted Selene on at least 5 ( talking to a " supervisor '' ) occasions asking for an update and the only response is that Corporate is reviewing the request. If Selene does not want to issue timely disbursements then they should be paying interest to me for holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with Colony Brands, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

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 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.

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 01-11-2017 about Debt collection (Medical) with Capio Partners, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a XXXX account and always have had a credit card in file. Once I was purchasing online and went to revise my XXXX account. Suddenly, a window popped up asking me to accept a XXXX XXXX account. It did n't let me go further until I accepted the XXXX XXXX. In addition, There was not link in small font saying " no thanks, take me to my account ''. After accepting the XXXX XXXX I was finally able to pass that window and do whatever I was going to do with the account. 
After that, essentially a XXXX XXXX was created on my behalf. I called XXXX and cancel the XXXX XXXX on XXXX 2015. Everything was fine until now when they are saying that I bought an item with the XXXX XXXX and because I did n't pay, interests have been running for 6 months. 
I called them up and they said that the information was sent to me via email but they can not resend that particular email. There is not more information in the XXXX website neither in my XXXX profile. 
What can I do? 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Payday loan) with Centric Asset Management Inc (KY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A person named XXXX XXXX from Centric Assets and his " supervisor '' keep calling my work. I 've tried to find them online, and I can not find any legitimate record of them. The debt is being paid through a legitimate collector, and is not in the amount that they claim. I have asked for a validation letter, and they keep saying they have sent it to my current address, which I gave them the first time they called and to my current email. I have received nothing. They seem to be very unprofessional. I was told that XXXX " was n't gon na play with me anymore '' and that he expected better of me because I was " XXXX ''. These people are calling my XXXX while I am XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/Transunion/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After 3 requests sent certified mail with electronic delivery confirmation Transunion is still reporting the same inaccurate information. They send back a statement that says it has been verified even after 2 requests for method of validation and who they spoke with. I have requested they delete the trade line due to their lack of verification or proof that this is in fact my debt at all. I do not understand how they can accurately report information that they do not have.

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 05-10-2015 about Bank account or service ((CD) Certificate of deposit) with DISCOVER BANK (MD).
Issue: Deposits and withdrawals

Complaint: Since the beginning of XXXX, I have been unsuccessfully trying to have the funds from an IRA CD, maturing in mid-XX/XX/XXXX transferred to the XXXX Now, at the beginning of XXXX the Discover bank is still struggling to accomplish this. Contrary to my explicit oral and written requests Discover has rolled over the CD and then assessed a premature withdrawal penalty when the CD was terminated.at the end of XXXX. ( I submitted the proper XXXX and Discover forms weeks prior to the CD 's date of maturity ) On XXXX XXXX, the following was part of my message to Discover, " I find the length of the whole process excessive and the paperwork tedious, The prospect of having to do it again for my other XXXX CDs is unappealing, So, I now would like to update the request to include the transferring of the funds from CDs XXXX, XXXX, and XXXX to the XXXX ''. 

We are now more than a month past XXXX with only my zeroed out CD accounts to show for this passage of time. Following is the Discover response to my question of why the full amount of the CDs was not redeemed. " Due to the fact that the CDs were closed outside of maturity there were Early Withdrawal Penalties ( EWP ) applied, per the Deposit Account Agreement. '' Is this a fair system, upheld by FDIC, that the bank can ignore a customer 's request, do him damage, and then penalize him? 

Currently, the XXXX has checks for the CDs but no supporting documentation. The XXXX refuses to process the money until a completed XXXX form is provided by Discover. According to the XXXX, any funds they receive in my behalf from Discover will not be cashed or earn any interest. Meanwhile, Discover, sits on the money and presumably makes free use of it. So, at this point, I do not have a CD, an investment in the XXXX, access to my money, or much confidence in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again, if the information they are requesting were true ; the last XXXX of the SSN should at least match the consumer 's. I feel sorry for people who actually believe viscous companies like Portfolio Recovery when you are aware of all of your finances.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with CICA Collection Agency, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A call about a debt notice was received by an elderly family member, who was harassed in order to get my mail address and phone number. I called the debt collection agency to understand what was the debt about, given that I have n't live in XXXX XXXX since XXXX and sporadically since XXXX. It was debt that I did not recognize. As a federal employee, I have multiple background checks and have all payments up-to date, and that debt have n't appear in my background check. I stated that I wanted evidence of that debt. They ( XXXX collection ) sent me a letter with no evidence which I replied with a certified letter that I do n't recognize the debt and to stopped the contact. Every call I got ( with threat and harassment of court ) is from a different person even the letter signature and the person that sign the certified letter are not the same. However, this agency harassed with calls my elderly family member even more and they sent a new letter, from legal area, which was very strange since it has contradicting language and no evidence. I contacted my XXXX and they put an alert in my credit as they did not find this normal conduct. As a resolution, I do not recognize this debt, stop harassment and any collection toward myself and my family. I understand this is a case of identity theft ( as XXXX XXXX suggested ).

Company response to consumer: Closed with explanation