milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Focus Holding Company (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Beginning in  XXXX   XXXX , Focus Receivables has been reporting  XXXX  different  XXXX  collection accounts to my credit, all with service within a few months of each other in  XXXX . I have disputed these accounts with the various credit bureaus, only to have Focus verify them as accurate.   I have since written directly to  Focus  to point out that there is simply no way I had  XXXX  different ongoing accounts with  XXXX . Focus responded with documents which I suppose they believe proves the validity of the debt. However, they do the opposite.    Focus  sent a contract/invoice from  XXXX  which shows charges of {$1400.00}. The down payment reports as paid at {$700.00}. The remaining {$700.00} was financed through their in-house plan with a {$68.00} finance charge. A total of {$760.00} financed.   Focus is reporting  XXXX  different collection collections, apparently regarding the same debt, and the amounts in their reporting add up to {$1100.00}. I am well-aware that the number of individual collection tradelines appearing on a credit report greatly effects the  XXXX  redit score, so it would seem that their reporting of a single acco unt as  XXXX  different delinquencies is designed to unfairly malign my scores. I do not believe this is legal, either.   Beyond this, the debt  ( s ) its elf are very much disputed and all Focus did was mail me a copy of the original  XXXX  contract, which really establishes little. I cant see how this company is allowed to report a single transaction as  XXXX  separate and distinct transactions, the way it currently is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with ALCHRO INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt

Company response to consumer: Untimely response
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with FINEX Group LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX truck from XXXX XXXX towed a truck that was parked in XXXX XXXX XXXX, in XXXX XXXX, California. According to XXXX XXXX XXXX truck was charging me {$30.00} per day. I never went back to XXXX XXXX XXXX truck to get my truck out. Instead I sing the pink slip releasing my property to XXXX XXXX XXXX. In addition, XXXX XXXX XXXX sold my debt account to Finex Group, LLC. I feel I should not be responsible for The {$2300.00} debt that Finex Group is charging me cause I had release my truck to XXXX XXXX XXXX. Last, I do n't understand why they had to sell my debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Roosen, Varchetti & Olivier, PLLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RVOLAW.COM HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A XXXX WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: Vehicle lease with XXXX XXXX for 30,000 miles. Returned vehicle with 28,000 miles. Sent a {$400.00} threatening bill for excess tire wear, missing key, and late return. 

After two calls, XXXX XXXX admitted the missing key and late return were incorrect charges and removed. However, they will not remove or allow challenge for the excess wear, repeatedly threatening continued calls, letters, and damage to credit. 

Bottom line : XXXX XXXX falsifies end of lease charges and bullies consumers into paying them.

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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank state that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX  and was XXXX XXXX my taxi was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX. I lost my taxi and taxi medallion due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my taxi however it was the only job available to me in a horrible local job market. Once again also at NO TIME did i request that the Credit Protection on this account be cancelled.

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 04/14/2015 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The Profit Service Group called my cell and work phone around XXXX XXXX XXXX. I immediately faxed a cease contact letter to the company. I received an email notice that the fax was transmitted to their office at XXXX. Then on XXXX XXXX @ XXXX the company called my cell again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have been trying to dispute some issues on my credit report with EXPERIAN. I tried to dispute online. When i do try to dispute online a message comes up saying that the attempt to dispute is unsuccessful and that they cant give me a reason why? NOT FAIR. I tried calling them and they also gave me a hard time saying that i disputed the account already and that they cant dispute it again. NOT FAIR. One item in particular i have no knowledge about is a XXXX account that i never had. I never used there service as i have always been a XXXX customer all my life. I have other items that i would like for them to verify the accuracy of which is my right are. 

XXXX - account # XXXX XXXX - account # - XXXX BANKRUPTCY Chapter XXXX - Reference # XXXX BANKRUPTCY chapter XXXX - Reference # XXXX I want all these items Reinvestigated and i also want to know their sources of obtaining this frivolous information and i want these ITEMS REMOVED from my report with EXPERIAN The other XXXX CREDIT BUREAU 's have worked with me with dignity and respect while experian treats consumers with no RESPECT at all ... 

PLEASE HELP OUT A XXXX CONSUMER ... 

THANK YOU XXXX 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 06/27/2017 about Debt collection (I do not know) with Niagara Restitution Service Inc (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XXXX/XXXX/XXXX XXXX XXXX left a voice mail on my cell phone stating that criminal charges had been issued under my name and social security number, along with the request to suspend my driver 's license and any other professional license 's I might have. She also said that I would be served with papers on XXXX/XXXX/XXXX. She left a phone number ( XXXX ) to call her back but never stated what company she was calling from. I returned the call and she denied the fact that she said these things. I asked what company she was calling from and she told me Niagara Restitution Services but would not give me a physical address. I hung up with her and called her on another phone line and played the voice message back to her over the phone. She then got very rude as she had been caught in a lie. I have the voice mail and will save it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

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 01/20/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent XXXX a letter asking for verification and validation of account number XXXX balance of XXXX. I was sent back that it was verified. with no proof of singed documents and no proof of any said investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (WA).
Issue: Problems when you are unable to pay

Complaint: I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from Someone named XXXX XXXX claiming to be a representative of the state, and that she needed to verify who I was so she could bring me a subpoena. She kept calling after I told her not to as well as calling a friend who I was in the XXXX with over 20 years ago, and other people from my past. I asked where her office was and she did not provide any information. I check my credit report on a weekly basis, so I know this was an unusual attempt to gain information from me. I called the XXXX number that they gave my friend and it was Midland Corporation. I looked them up to find that they have thousands of complaints against them. I have no dealings with this company, so I need them to stop trying to interrupt my life. I want them to cease and desist all attempts of communication, I do n't know them or owe them anything. here is the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.

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 10/26/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I dispute the entire amount of student loans serviced by Navient because the debt was the direct result of fraud and misrepresentation committed by The XXXX XXXX of XXXX including, but not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX, and ( i ) predatory and high-pressure sales tactics. Navient has sent several delinquency notices to me regarding the payments on the debt. I advised Navient that the debt is a DISPUTED DEBT and further warned Navient that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that Navient notify the credit agency that the debt is a DISPUTED DEBT. Navient reported the delinquency to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
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: For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (I do not know) with U.S. Collections West, Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: disputed unknown collection account with XXXX no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report XXXX is owed without any evidence.I do not believe any such account is valid.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After the massive Equifax data breach was announced in XXXX 2017, my family checked to see if our identities were compromised. My wife, my XXXX old daughter, and I were designated as " potentially compromised. '' My wife and I could sign up for their identity theft monitoring, but their online system would not allow a minor to sign up. When I called their special Security Breach 2017 hotline, the representative just kept repeating that Equifax " generally does n't '' have  information on minors. She could not explain why my daughter 's SSN would be in their system. She said that I would need to call Equifax directly, but she did not even have the number to call. 

Trying to contact Equifax directly has been futile. They have deliberately obfuscated any direct way of contacting them. So far, I can not even determine a simple question -- does the SSN associated with my baby have any credit history or other association with Equifax? According to one rep, the answer should be " no, '' but she can not confirm it. 

So far, the only way I think I may get any answers is sending copies of important, sensitive documents ( my and my daughter 's SS cards, birth certificates, etc ) directly to Equifax. Since they could not protect the data of 143 million people, I really do n't want to add my daughter 's information to their company if it does not already exist. 

These credit reporting companies take our personal information and sell it as a commodity. They will give MY information to some random credit card company who wants to send me an offer, but I have to jump through hoops just to find out if my daughter 's identity is even actually compromised. They are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened the saving account with BOA in XXXX and at that time there was no service fee associated with it. However I just realized that starting from XXXX XXXX, BOA started charging fee on my account without any notification or justification. I understand bank XXXX change its policy to make more money, but at least it should have their customers being aware of. If I were informed, I might act accordingly to avoid that fee. I called BOA and after explaining the issue to the customer representative, XXXX put me on a very very long hold. So far the issue is still not resolved. I would not mind paying any legitimate fees but what BOA does makes me feel sick. I feel very insecure banking with BOA as the bank would charge me erratic fees without even telling.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND EXPERIAN REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.

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