milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit card () with ZWICKER & ASSOCIATES (NY).
Issue: Payoff process

Complaint: I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this debt was disputed and not validated back in XXXX 2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to Southwest Collections- XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for southwest to keep collecting on this invalidated debt- a violation of the law ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (I do not know) with NAVY FEDERAL CREDIT UNION (CO).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n't pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised. 
On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is. 
I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n't know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I cancelled XXXX XXXX summer of XXXX due to their system being unreliable. I paid the final bill which i have a copy of and also returned their equipment. 

They said if had to pay {$290.00} additional for cancelling the contract before end of term. I told them since they could not supply reliable stable service they had breached their contract. I told them i would pay the final bill of {$110.00} and return their equipment. Which it did. 

they turned me over to a collection agency which has been harassing me for several months now. They reported me to XXXX and they placed a derogatory item on my credit report. 

I asked XXXX to remove the item as I do not owe XXXX XXXX anything. XXXX owes me {$1000.00} rent for leaving their antenna on my roof which they have not removed after several written requests. 

I asked XXXX be required to remove the item and their collection agency be ordered to stop calling me. The agency is : AFNI, INC. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number : XXXX I also want XXXX to pay me {$1000.00} rent for their equipment on my roof they have failed to remove. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: WELLS FARGO ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
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 have contacted this company numerous times regarding my account. The company is reporting my account late 30 days in XX/XX/XXXX when they had an issue with their payments systems. The company is also reporting me late 60 days when the company failed to updated my address and I did n't receive statements I have tried everything to make the company make accurate statements to the bureaus and fix my account but they just wo n't comply with the fair credit reporting act. I have filed legal proceedings against the company and hopes that we can resolve this matter. I 'm out of money because of the companies unwillingness to correct errors. Customers should n't have to take this route because of the companies unlawful behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Payday loan () with GVA Holdings, LLC (CA).
Issue: Can't stop charges to bank account

Complaint: So I took out {$320.00} from northern plains funding and before taking out any money I asked if there was any interest fee they said I did n't have to pay interest if I did something called a pay down. Which is longer term of payments but cheaper price. So instead of paying {$97.00} a paycheck, I would only have to pay {$10.00} a paycheck for a longer amount of time. I 've already paid up to {$320.00} of payments to them and they are still charging me {$97.00} a paycheck. I can not afford this any longer and it 's really beginning to stress me out. They told me I still owe about {$400.00} more! I 'm only XXXX XXXX XXXX and I obviously do n't have a high paying job to be able to pay them over {$700.00} worth of funds. I think that 's a rip off! NORTHERN PLAINS FUNDING should be shut down for misleading me into their schemes!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Using a debit or ATM card

Complaint: Dear XXXX : :This is another complaint of false billings created after an auto rental last XXXX rental without my approval, by XXXX XXXX XXXX i 'm responding to several '' XXXX citizens '', who have commented to me after XXXX XXXX Pa.refused to deny this billing, and charge against my account, and have not sent me their detailed list of charges that go with every rental that all rental car compan'y detail with at least XXXX number more than, " {$25.00} that, '' the number {$2500.00} '' is not possible for an auto a rental since this number does not have any other single number after the " XXXX '', XXXX. {$25000.00} ''. every rental has more than XXXX or more additional fees in addition to the rental to add to the final rental '' they add : " there 's no ways that this rental that XXXX Bank allowed to be taken off your debit card/checking account '' that does not have XXXX single other number. especially since they assert the 45 day rental. now that i think about it.they are correct in thier logical conclusion that XXXX Bank did not realize, or notice as impossible.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There are numerous addresses and employers that are incorrect on my report. I have asked tha t they be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / 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 non-monetary relief
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against LVNV FUNDING LLC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Credit card debt) with Solomon and Solomon, P.C. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Solomon and Solomon cla ims I owe  XXXX  to  XXXX   XXXX , this account was paid off a t one poi nt, fraudulent charges subsequently placed on it. Despite fraudulent charges, I was making payments on the account in the amount of  XXXX  per month. Due to some returned payments, which were in error by my bank, the account was closed and charged off. Please not e, Solomon and Solomon is the se cond collection agency attempting to collect on this debt.. XXXX  (  XXXX   XXXX   ) , previously  attempted to collect on this debt and I believe they sold the account to  Solomon  and  Solomon realizing there is f raud and they could not collect on it.  XXXX  responded to a similar complaint by sending copies of statements which prove nothing, they failed to prove I authorized charges since account was paid off. They then referred account to  Solomon and Solomon,  please advise them as I have advised prior collection agency, the payments made to  XXXX    XXXX   despite fraud will be the only payments made on this account and to accept it as settlement.

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 07/19/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to get a home loan, my load originator helping us states I have a " Hard '' forclosure code on my credit report with Equifax because of a house we did a " Deed in Lieu '' with in XXXX XXXX. I contacted Equifax by phone and was told I have to put in a dispute and I did on XXXX XXXX XXXX. XXXX XXXX I got an email stating my dispute was resolved. I called Monday XX/XX/XXXX and was told my dispute was denied by the XXXX. That they state I still owe money. For one I disputed wrong reporting which was explained very clearly on my cover letter. I attached the Cash for keys XXXX and my taxes submitted to the Federal Government to pay my taxes on it. We also did have an Accountant do our taxes and submitted the correct paperwork with the federal government on this giving up the house to the bank. I was not foreclosed on and with that I should be free to buy a home right now vs waiting 7 years. The other person i bought my house with is not having these issues. His credit report is showing forclosure but according to our loan officer it is mine showing a " hard ''. I have lost faith that the Equifax will ever help me correctly in changing the code on my credit to a " Deed in lieu '' vs a foreclosure and would like you to help in this situation. I have all paperwork showing and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient insisted I consider forbearance. Now I have additional unpaid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ALLY was included in a Chapter XXXX and discharged. They continue to report Profit/Loss on my credit report with a {$11000.00} balance. They have been contacted numerous times, the latest from my attorney and still no response from Ally. This needs to be removed from my credit as it is hurting my score.

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 08/20/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As early as XXXX, I am seeing negative medical collections items on my credit reports as follows : Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX XXXX  XXXX-XXXX XXXX The dates above are for medical expenses that were billed to me. The original creditors have since sold the debt to a local debt collection agency, GLA Collections. The amounts disputed have never been verified with me, despite several letters to the 3 bureaus requesting the documentation bearing my signature contracting I owe this debt. Additionally, I have always had some sort of health coverage, whether it was under my father 's plan up through summer of XXXX, where my employer has now covered my insurance consistently through the present. Through corresponding with the credit bureaus and directly with the creditor, GLA Collections, the only documentation they can provide is the date of service along with the provider and amount billed to me on generic computer print out statements, without any description of the service to prove the validity of the charges. As of XX/XX/XXXX, I had also sent a letter to the Privacy Officer of  the hospital over these charges in regard to them violating HIPAA when selling my information to a collections agency without my consent or knowledge. Since that correspondence, I still have not received the written communication I requested to verify this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS COMPANY XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX SENT EXPERIAN AND XXXX PUT A COLLECTION ON MY ACCOUNT WITHOUT ANY NOTICATION. THIS IS A FRAUD ACCOUNT, NO PAPERWORK WITH SIGNATURES, COPY OF SOCIAL SECURITY AND CONTRACT TO PUT THIS KIND OF INFORMATION ON MY CREDIT REPORT.THIS IS A FRAUD ACCOUNT AND A COLLECTION COMPANY WHO IS NOT PLAYING BY FEDERAL LAWS DEALING WITH FAIR CREDIT REPORTING AGENCY. LAWS ARE HERE TO PROTECT ALL OF US NOT JUST A FEW WHO CAN BEND AND BREAK LAW WHEN IT FIT COMPANY. THEY SHOULD BE FINED AND LOOK INTO. THIS IS NOT RIGHT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received my XXXX credit report and saw XXXX different negative items reported by this firm. I have never received any notice from them in regard to this debt and from what it reads on the credit report. It is from XXXX XXXX traffic tickets which I are not mine.

Company response to consumer: Closed with explanation