milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has furnished Experian, XXXX, and XXXX, with inaccurate information to be reported on my credit file. I was never notified of such accused debt and only came to realize this information was on my file through my own investigation. This debt is unsubstantiated, and could not be validated by the alleged 'original creditor ', who stated that it could n't provide copies of original signed contract, and was unable to review original account level documents. 
Upon these finding I contacted XXXX XXXX in a certified letter via United States Postal Service. Under Massachusetts General Laws M.G.L. c. 93, s. 58 the reporting agency ( XXXX XXXX XXXX ) had 30 days to respond in writing to my inquiry and dispute. They have been negligent in regards to responding. It seems they have no intention of proving the debt when in fact they have the burden to prove the debt is in fact owed and accurate. To date, XXXX has a poor track record in regards to it collections and business practices, which had resulted in numerous fines from the U.S. Government and individual states as well, including Massachusetts. The illegal actions of XXXX XXXX XXXX have cause XXXX consumer 's credit files to be tainted with negative information, including myself.

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 09/21/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX. Received a call from a representative from Commonwealth Financial stating I owed  a medical debt and if I did not pay he would forward the debt to my credit report. I ask what debt as I had medical insurance and did not owe anyone. he said dont worry about it, you will see it on your credit report. 
XXXX XXXX pulled my annual credit report, Commonwealth reported {$230.00} debt to all three credit bureaus. XXXX XXXX XXXX, I responded to Commonwealth Financial with a registered letter asking for validation on debt. Did not receive validation within 30 days per federal guidelines and false debt still listed on all three credit report. ( XXXX XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Loan) with HUNTINGTON NATIONAL BANK, THE (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: In 2012 Hurricane Sandy had totaled my truck. I was told that my insurance at the time, XXXX, had paid out the value of the truck and the GAP insurance would cover the rest. In 2012 I also had a XXXX XXXX so I took the information as fact and never followed up to make absolutely sure the balance was gone completely. I just had my credit pulled and it is saying they had charged off a balance on the account. I just called them to try and tell them what the situation was but they just wanted the balance and wouldn't acknowledge the fact that I had GAP insurance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My van was towed XXXX times first time was XXXX/XXXX/XXXX by XXXX 's tow a charge of XXXX however i was parked in violation of XXXX rule. My ignorance was no excuse therefore i never complained or appeal the tow. However my vehicle was towed again on XXXX/XXXX/XXXX by XXXX tow again in the amount of XXXX and again on XXXX/XXXX/XXXX in the amount of XXXX however these XXXX tows was done illegally so i appeal to the XXXX XXXX court and was given a court date XXXX/XXXX/XXXX and the court deem the tow and any other fees be refunded. I called and disputed the charges with Discover on that day XXXX/XXXX/XXXX and a temp credit was awarded. Since then i have had nothing but a bad experience with the credit card company. It appears to me Discover is more concerned with keeping a merchant relationship as appose to taken care of the card holder. Its now early XXXX and i have a lot of corrospondence with Discover going back and forth and not giving my credit back to my acct or following a court order which is public record XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Performance/XXXX XXXX XXXX Scam, con-artist company that calls my house all day, every day. I am deaf but they continue to call and now there 's a collection on my credit report for a bill that 's not mine. I feel like I 've been taken advantage of. I do not owe XXXX money for services they did not provide. I actually received a letter apologizing for their poor broadband performance but no other effort to rectify the problem or make it right. I had to retake a class that cost me $ $ $ because XXXX 's ISP connection had another outage during the final exam. ( I took the class online ) I moved onto a different ISP because they were not providing services I was paying for, yet they continued to try and bill me for when I was not using their ISP or bundled TV service. They refused to allow XXXX to port my new number and held up the process. They exhibited extremely poor service and failed to follow through with promises on a regular basis. Now these scam artists are calling all hours of the day and while my elementary school aged son is asleep in bed for school. The other collections via XXXX have been removed from my report, but this new one just popped up via XXXX and XXXX. 

XXXX and Receivables Performance are XXXX companies that need to go out of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: Per XXXX - SW CFPB AGENT I am writing a new complaint against Citi Bank Cards. 

Citi Bank Card owes me {$250.00} credit unconditional. It is part of Prestige card benefits. 

Citi Bank failed to close the DISPUTE which gave a temporary credit and if the dispute is denied will NOT formally give me a credit. 

I have written to VP XXXX, VP Citi who refuses to respond to me via phone or emails BLOCKING MY ACCOUNT from Customer Service. XXXX is threatening to also charge me for the card annual fee which Citi personnel told me I have 37 days to cancel after billed. 

Citi is DISHONEST and has NOT closed the disputed charge which allows a temporary credit, not a complete credit with dispute closed. 

XXXX, Citi VP and her boss XXXX can be contacted at : XXXX XXXX Citi refuses to communicate via EMAIL or PHONE hindering resolution of this problem

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 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.

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 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have called repeatly through out the years asking for loan reduction I was told to fill out the paper work They always call back and say the type of loan I can not do this. The interest racks up. I pay for my daughter who is s XXXX however I can not get a discount because I am not the XXXX. However that is not stated when you hear about forgiveness XXXX I never get them to reduce my psyment so I actually can make a payment. If I pay what I can it does not even cover the interest payment. I honestly wanted to make a payment I can afford with this interest payment a lot lower

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AR).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that XXXX/XXXX XXXX XXXX .... reported negative marks 30 DAYS LATE on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 01-12-2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter its verified FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: I submitted a dispute with Equifax regarding a XXXX XXXX account. On XX/XX/XXXX XXXX XXXX  agreed to DELETE the account from my credit file. XXXX XXXX authorized Equifax to delete the account on several occasions ( see letters attached ) and as of today, Equifax has refused to delete the account and has continued to report the account. 

The matter was forwarded to the Office of the Comptroller of Currency and they advised me that XXXX XXXX agreed to DELETE the account from my credit file. All the other two credit reporting agencies have complied with the request, but Equifax continues to report this derogatory information despite numerous requests by myself and XXXX XXXX  for them to delete the account. 

As of today, the derogatory account is still being reported by Equifax as accurate information. 

XXXX XXXX  sent me a letter on XX/XX/XXXX stating that they have exhausted all their attempts to have Equifax delete the account ( see Letter attached ) XXXX XXXX  has complied and Equifax continue their rogueish reporting and blatant disregard for the law and the Fair Credit Reporting Act by continuing to report the XXXX XXXX account despite numerous requests by myself and the bank for them to delete the account. 

It is also my understanding that Equifax has three ( 3 ) separate files under my name. I requested they merge those files into one file and they have also not complied. 

I have attached a copy of the credit report as evidence that the XXXX XXXX   account is still being reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute and requested a removal from TransUnion for tax lien on my credit report in that not only was it reported incorrectly due to a refund for those years of income tax returns, but I also have an old bankruptcy that would 've removed any balances if there were any. TransUnion in turn reported that the public records were released due to bankruptcy and this incorrect as well. When I contacted TransUnion again, they informed me that not only will this remain on my credit report for seven years even if it is a mistake, but in order to get this removed, I would have to contact the XXXX Country record of deed to request them to remove the information. I informed the representative that I have proof directly from the State of Michigan which is who reported to XXXX County to report to you ( TransUnion ) that this bill is incorrect and should be removed. TransUnion representative would not provide me with the information that states how they investigated this information to be accurate to continue to report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Other financial service (Refund anticipation check) with Ditech Financial LLC (UT).
Issue: Customer service/Customer relations

Complaint: I was told at the first of XXXX of 2015 That Green tree Servicing now Di-Tech Financial that because I had to stop payment on a Cashiers Check that Green tree lost that they would refund me my money back on doing so that I could get them another cashiers check out to them. I have sent several documents and proof of the amount paid and they the bank statements that they wanted. I have been told my refund would be returned to me in 30 days and here we are 90 plus days over and they still wont pay my refund. I want my refund back and I do n't want them to contact me anymore about my home. I have had enough of their lies and this is not the first time I have had to report them going back on their word.I just reported them a couple of months ago for not doing a repayment plan with us when they said they would. I have called several time asking where my refund is and I was told it is in the mail which it was n't. I would just like for Green tree to just once promise to do what they tell people.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. 

They have no right to collect according to the UD. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They say my account is okay but the next month it 's not. It 's been over a year and they still ca n't communicate right

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Credit Protection Association has submitted and account for collections without proper notification or the ability to dispute the debt as valid. I never received anything in the mail from this account nor have do i recall ever utilizing this service. It is against FDCPA to report any information without following proper protocol therefore allowing the consumer the opportunity to dispute the debt or proper notification about the debt. In this case neither were done CPA just took it upon themselves to provide inaccurate unvalidated and unlawful information to the credit bureaus. In my case this information has been on file since XX/XX/2014 and has been reported unlawfully for over 3 years.

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 08-07-2017 about Vehicle loan or lease (Loan) with Automotive Credit Corporation (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: ( 1 ) I, XXXX XXXX was accepted for an auto loan from Automotive Credit Corporation through XXXX XXXX XXXX XXXX in XXXX CA on XX/XX/XXXX. On XX/XX/XXXX I spoke with a loan rep named XXXX from ACC that finalized the loan. During this conversation XXXX advised me that I will be receiving loan and payment information via mail with-in a week from our phone conversation. Since our conversation I havent received the loan or payment information which was supposed to be sent to me. But what I have received is several calls from your employees that tell me my loan is in default, but no one to date have sent me loan information to make a payment. I am requesting my loan and payment information sent to me via US mail. ( 2 ) I, XXXX XXXX have received your correspondence, dated XX/XX/XXXX that states YOUR ACCOUNT REMAINS PAST DUE. YOU MUST IMMEDIAETLY REMIT {$320.00} IN ORDER TO BRING YOUR ACOUNT CURRENT. As I previously advised this company, XXXX a loan representative told me I would receive car loan information via US mail. But I wasnt provided any information in regards to my car loan via US mail. And still to date the only response to my request to get car loan information dated XX/XX/XXXX is a letter demanding a payment more than quoted to me by XXXX XXXX a representative from your company. According XXXX who only provided me with payment information via phone quoted my loan payments to be {$300.00}. Those are two of the letters I sent ( 1 ) XX/XX/XXXX and ( 2 ) XX/XX/XXXX to acquire information regarding my auto loan # XXXX to ACC. Since then the only response from them have been threatening letters. Also I have made a complaint against XXXX XXXX XXXX XXXX with multiple reporting agencies for forgery. XXXX XXXX XXXX XXXX responded to the Better Business Bureau on XX/XX/XXXX was that I was on repossession status and I should rescind the loan. However, the checked for XXXX was received by ACC and deposited on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation