milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Dear Complaint Handling Associate or Department, On XX/XX/XXXX, I provided notice to XXXX XXXX ( " XXXX '' ) that I would be terminating my lease. On XX/XX/XXXX, XXXX ( a XXXX associate ) executed the Notice of Intent to Vacate document as prescribed by the Lease Agreement ( " Agreement '' ) : both documents are attached for reference.

On XX/XX/XXXX, I followed up with XXXX to ensure what was due sinceXX/XX/XXXX was my last day as a tenant. As of my move out date, XXXX provided with my final amount due. Please see the email attached that states I owe {$990.00} to terminate my lease. Additionally, I have a {$200.00} security deposit that will be used to pay the sewer bill. I assumed I would actually be refunded some monies.

I had heard nothing else from XXXX and assumed everything was resolved since I took the tedious effort to ensure all of bills are paid. While back home for XXXX, my father inquired about my financial situation and to my surprise, I learned that XXXX had sent a collection letter, via RentDent, to my father 's address and addressed to my father. My full name is XXXX XXXX XXXX XXXX The letter was addressed XXXX XXXX, which I can assume is what XXXX provided RentDebt. Additionally, the address provided to RentDebt was not an address I provided to a third-party. I provided the XXXX XXXX XXXX, XXXX, GA XXXX address solely to have my mail forwarded from XXXX. I never authorized any third-party having access to my father 's personal address and would certainly not provide consent to do so. Only XXXX was authorized to " forward mail '' to that address.

I being this complaint to you alleging FDCPA - Misrepresentation of Debt claims, FDCPA - Third-Party Disclosure claims, and GLBA - Privacy Notice claims pursuant to the above allegations.

XXXX is owed nothing from me as stated by the associate on my last day of residency ; this is an official dispute. Additionally, I am extremely embarrassed that you shared my financial information and debt issues with my father. Furthermore, XXXX should have never provided you the {$21.00} XXXX  forwarding address : the Notice of Intent to Vacate did not contain the respective disclosures for sharing of that information with RentDebt ( a third-party ).

Additionally, please advise if this matter has been reported to any credit bureaus.

Please advise how you 'd prefer to resolve these issues : I prefer not to entertain legal avenues.

Sincerely, XXXX XXXX XXXX XXXX

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call at XXXX XXXX XXXX time from Phoenix Financial. Though they are in XXXX, they confirmed my address as in XXXX, so they were aware they were calling before XXXX. I missed their phone call, and called it back where a gentleman stated his name and the XXXX XXXX, Phoenix Financial. He then demanded to know my son 's date of birth. I was extremely taken aback because my son and I have both been victims of abuse and stalking, and ironically, my son 's name is XXXX. When I diverted the question of my son 's birth date, I immediately was asked very sarcastically " Oh, you do n't know your son 's birth date? '' I said I was not required to give it to him, and I did n't feel comfortable divulging that information. I quickly reminded him that I returned the phone call, so I did n't feel I was being evasive. He again answered with a rude and sarcastic tone saying " Oh, you returned my phone call? Well maybe I should send you some cookies. '' I was so shocked I hung up and called immediately back for a supervisor. She said she would take care of it, but I still wanted to make a note of it. Our protective order and stalking injunction is available if you need to see it or my telephone call records.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Credit card () with DISCOVER BANK (VA).
Issue: Credit card protection / Debt protection

Complaint: I found a hard inquiries on my credit. These are XXXX, XXXX, Discover Bank, XXXX. I have a concerned that somebody stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle lease) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: I had a car loan that started in XXXX XXXX and should have been paid off by XXXX XXXX. I had to extend XXXX car payments, XXXX for when I bought my house, understanding there would be interest and I would have to make the XXXX payments. This extended my payoff to XXXX XXXX, which I knew since I extended XXXX payments. I paid the last payment XXXX XXXX, XXXX and received a letter stating I still owe over {$1500.00} due to interest. I asked if they could work with me and wipesome of the interest off seeing the interest added up to more then the actual car payments that were deferred. after a few attempts I received {$200.00} off. I still did not find that acceptable, so I called the corporate office. I received a call back and spoke to a woman named XXXX, XXXX ext XXXX. She was willing to wipe the interest, but I would have to agree to the following terms. 1 ) They would report to credit bureau as settled and 2 ) I would need to pay taxes on it as they would send me a XXXX type thing. I paid every car payment and finally got my credit at a place where my interest on credit cards and car loans are through the roof. I was willing to pay some money but she said if they take any off it will be under the terms from above. She also said, since I did not want to damage my credit, that I would have 120 days to pay as long as a made a payment every month. After I spoke with her a few weeks later I received a letter stating that the payments might be considered late, missed etc and reported to credit bureau. I didnt realize when I gotthis car loan that it was more like a credit car opposed to a cr loan I am assuming by the interest that accrued besides what I already paid. I was hoping you can help me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I submitted two payment for which one of those was returned due to a problem with my checking account. My account number was changed for a dispute I initiated with my Bank and a new number was given. By the time I used my available funds and I noticed the payment was returned Discover Payment Department closed my account without notifications, grace period, email, calls, letters and/or explanation other than " My account is being closed for unsatisfactory payment history '' this is a lie because I 've never been late, and that day I submitted two payments. This Credit Card company has violated my rights and discriminated me without further notice. I 'll ask the to reopen my account since the reason they closed it for is null and/or not truth. I 'm planning on pay my over limit 's credit on my real due date, date they could n't wait for. Please, reopen my account and give me back my rights, as in the pending cash back earned so far that they need to double and full access to my account. I 'm forwarding this complain to major companies for review and investigation to this Payment Department Team who 're closing customers account for little mistakes and without further contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (TX).
Issue: Problems when you are unable to pay

Complaint: Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been calling me 3-4 times a day every day since XX/XX/2018. The calls are so annoying i installed a call blocking app called XXXX XXXX to automatically hang up on them to keep my phone from ringing all the time. 
And if it doesn't stop or get resolved properly I intend to speak with a local consumer protection attorney and file suit for FDCPA and TCPA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion is showing this still on my credit report- XXXX XXXX XXXX XXXX They agreed to delete it from my credit report. 

XXXX agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the 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 12/24/2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I would like to file a complaint against Rash Curtis & Associates Original creditor XXXX The following accounts XXXX {$170.00} XXXX XXXX on my credit file XXXX to XXXX {$650.00} XXXX XXXX on my credit file XXXX {$1800.00} XXXX XXXX on credit file XXXX {$450.00} XXXX XXXX on credit file I was a patient at the hospital and I had a XXXX and my insurance Paid for my XXXX and all the medication required. I just pulled my credit because I was being denied for employment and I was n't sure what the cause was. I do see that there are collections account and have been reported by Rash Curtis & Associates Original creditor XXXX .The collection company and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has a recent 30 day late on on my credit report. XXXX sold my account and XXXX other agencies are currently attempting to collect for this debt ( XXXX, XXXX, XXXX XXXX ). I started a dispute with them and now they have placed a 30 day late on my account again ( THIS NEEDS TO BE REMOVED IMMEDIATELY ). This account was closed on XX/XX/2014, how can there be a 30 day late. I need this to be removed immediately. This is not fair practices ... I also need to see where they still own the debt or XXXX needs to report a {$0.00} balance. Tell me who owns this debt or remove it off the credit report all together ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX it's reporting this saving and checking account as loan that's incorrect it should be reported to XXXX not into TransUnion.

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 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pollack & Rosen, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SOUTHERN AUTO FINANCE CO (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many Hard Inquiries in my credit report that I am not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: The amount of this car loan has been taking care through wage garnishment XX/XX/XXXX. Lobel Financial continues to change the status as judgment to charge off. It has been affecting my credit for the last 8 years. I have paid over {$11000.00} into this debt ; however I continue to accrue interest on the original debt that was roughly 14k. Today when I called the sheriff office i was told that the balance to satisfy this debt is another {$10000.00}. The car at this point is only worth {$1600.00} ( which Lobel Financial repossessed in XX/XX/XXXX ). When I've called the company they just give me the run around telling me they aren't allow to give me information about the account ( not even the account number associated with this car ) and suggest I call the county sheriff office for more assistance. That call leads me right back to square one because the sheriff is only collecting the money nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Thrive National Corporation (MS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I did join the gym. I took out a membership. I stopped going to the gym due to a racist employee working. I pay my bill just as any one else would. I agreed to pay the cancel fee and all. But the manager never would call me or face me face to face. The only person I ever seen was the rude employee. I left # serval times and called no one ever called me back. Now I call to this day and I 'm informed they ca n't take this off my credit and they apologize bc they are the new owners and that was XXXX their time.I ca n't help the manger never called. They was n't ever in the building and I 'm not going any place that I do n't feel welcomed.I paid my bill and always went. I just wanted to be treated with respect which I did n't get. This should n't have ever got reported to my credit. I agreed to pay cancel fee the manger needs to man up and call me or talk face to face. I 'm not the only XXXX in this situation. And it 's sad a manager ca n't call a member personal and talk on XXXX and solve the issue. No wonder why they had to find new Owner 's. Now the new ownersowners claim its nothing to do with them it was XXXX their time to take it up with collectors that they would agree to take it off my credit but they did n't know how to go about doing it. Do I need to get a attorney to help me get this removed??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Savings account) with GOLDMAN SACHS BANK USA (PA).
Issue: Deposits and withdrawals

Complaint: I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. 
I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.

Company response to consumer: Closed
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

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 04/17/2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Gold Key Credit INC is trying to charge me the amount of {$710.00} and I was never affiliated with this company.

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 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

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