milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency Gulf Coast Collection Bureau , Inc. has sent me a late 30 day notice on a debt to the wrong address, leaving me little time to dispute debt. Debt notice dated XXXX/XXXX/XXXX, but only received on XXXX/XXXX/XXXX, leaving me little time to respond. 
1. Debt in dispute is from XXXX XXXX for unwanted and unnecessary services on XXXX/XXXX/XXXX. I had no injury and no complaint of pain. 
2. I signed a Patient Refusal form XXXX/XXXX/XXXX at XXXX on XXXX XXXX, XXXX XXXX. 
3. The Paramedic erased my signature, and altered a medical record -- a violation of Florida Statute 395.302. 
4. In email XXXX/XXXX/XXXX, the XXXX County Director of EMS and Fire Administration admitted the signed Patient Refusal form was erased by the Paramedic, and said the Paramedic would be given remedial training to ensure that patient signatures are saved. 
5. XXXX actions in destroying my written refusal of treatment and transport is BREACH OF CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I issued a complaint against XXXX XXXX about the title transfer of my mortgage and not being informed of a foreclosure. XXXX has contacted me and stated they can remove the foreclosure from my records with proof of improper title transfer and supporting court cases. These have been sent to XXXX. My loan was sold from XXXX to Caliber Home Loans when they never legally had the title to actually transfer. This is to inform Caliber Home Loans of the incorrect foreclosure they have on record on my name. 
Here is what was relayed to XXXX Bank as to the issue : The title of my loan was not transferred from XXXX XXXX to XXXX until XXXX XXXX, XXXX, which is attached to this fax from XXXX County Clerk. I also have all other amendments that were filed with the court, NOT INCLUDING foreclosure proceedings. This is when foreclosure proceedings supposedly began against me but I was never given written notice of this. 
According to multiple court cases, the title transfer was incorrectly done and should not have been transferred in XXXX when foreclosure proceedings began without my knowledge. XXXX XXXX did not have proper rights to the title of my loan. It was not assigned to XXXX XXXX according to the trust agreement. This gives plausible inference that the assignment was improper. I am not looking to get my home back or for any financial reimbursement. I just want to get the foreclosure removed from my name. 
After much research, there are a tremendous amount of court cases that state this exact thing happened to them and were rewarded for their damages. You could also refer to a website called XXXX, which directly addresses issues with XXXX XXXX and XXXX deceiving homeowners during the time I was foreclosed upon. 
Four years after pledging to clean up wide-ranging foreclosure abuses, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX other banks still are n't complying with consent orders imposed by a federal regulator, reported the XXXX XXXX XXXX ( XXXX XXXX, XXXX ). As a result, the Office of the Comptroller of the Currency has restricted mortgage servicing operations at XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Banking regulators obtained the consent orders in XXXX in response to scandals involving the robo-signing of foreclosure documents by token officials without knowledge of the facts, lost paperwork, illegal fees, and other legal shortcuts that became common after the mortgage meltdown.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 The Credit Bureaus numerous times starting  XXXX    XXXX    XXXX  Present advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: [Letter # 4] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 10/14/2016 about Debt collection (Medical) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 AMERICOLLECT INC 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 including : 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 : AMERICOLLECT INC 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 10/16/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other

Complaint: I have tried numerous times disputing what the credit card companies are reporting. I also sent letters to the credit bureau telling them that I did not apply for a job or was granted credit with these people and I wanted them removed and I have not received a response from either 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 11-08-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage after having to send all of my money to my family in XXXX in order to save their life after the war reached their city in XXXX. My servicer SPS ( Select Portfolio Services ) is only considering my loan for assistance based on affordability and not an actual hardship which caused a gap in income. I hired an attorney to assist me in submitting my request for assistance to SPS. My loan apparently was also recently sold from XXXX to XXXX of Nevada. According to my attorney, XXXX was part of an Attorney General Settlement and this loan is required to be modified as part of that settlement. The fact that it was recently sold should not be an excuse to block me from assistance. My hardship is real and SPS and the new owner of my loan do not care about anyone or actual hardships. They are evading reviewing me for an assistance program that actually looks at gaps in employment. My attorney states SPS does this to everyone. They only review for affordability hardships and ignore actual gaps in income or real hardship cases. My home is only worth about 60 % of what I owe. I truly want to pay the entire amount of my balance, however it appears the new owner of my loan only wants to steal my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I enrolled my XXXX dogs in XXXX program three years ago based on information given me by their salesperson. When I realized that the program was not all they claimed to be and other charges were being charged in addition to the monthly subscription, I cancelled the membership. XXXX billed me and reported my account to the credit reporting agencies. After I disputed the charges, XXXX removed all negative information from my files and cancelled the debt. Now, IC System, a junk debt buyer, is trying to re-open the debt and is attempting to collect from me. I am reporting this IS System firm and its attempts to collect a junk debt as fraud.

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 07/14/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was a co-owner of a XXXX. I was bought out contract was developed the contract stated that the new owners would assume all liability for all outstanding debt for all accounts. Two years later I was sued by XXXX for a bill that was not in my name but the account was open by me when I was an owner. 
A judgement rendered against me. I paid the account and a in turn I sued the new owners who did n't fulfill their contract obligation. 
I have a judgement against me although I was out of the business for over two years. 
I have the paperwork to confirm both settlements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I missed a payment XX/XX/XXXX and did n't realize it until I received a letter from Navient XX/XX/XXXX. I was unable to make the entire payment at one time so I broke it up into 4 smaller payments and scheduled automatic deductions from my checking account via Navient 's website. I have one more payment left and Navient collectors have started calling my place of employment. Now the owner of the company I work for is questioning me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I have transferred over 20,000 dollars to coinbase and they would not let me wire out my own money back into my own account at XXXX. 

They made it very easy to create an account at coinbase and to wire money IN but there website would not let me wire my own money back into my own account. I have sent 3 tickets about there " verification process '' that kept saying my address is incorrect or my social security is in correct when in fact I know it is correct. It has been 3 weeks and they have not responded to any of my tickets. 

There website tells me to wait 24 hours to verify again. I have tried this for several days and there system refuse to verify my account. If they did not verify my account, why did they even accept my wire transfer coming in to coinbase in the first place? 

Now I can not wire my own money back into my own back because there website is claiming I can not be verified because my Social Security is incorrect. I believe this is an excuse to take my money and hold it ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Customer service / Customer relations

Complaint: I can not access my account and never received the credit card. I am attempting to make a payment as I have made a purchase on my XXXX account. The customer service representative can not accept payments and the automated system that it refers you to only hangs up XXXX. The customer service rep for XXXX said she does not have another number that I can reach out to Synchrony Bank at she told me to call back after XXXX. I ca n't get out of a loophole with simply trying to obtain my credit card and simply making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a student loan with Navient, I have had repeated struggles finding a repayment plan that is in the range I can pay. They either want {$400.00} a month or want me to " just pay the intrest ''. I have tried repeatedly to set up payment plans and they keep telling me I have only a few options. I am on an income based plan now but for the last 2 years I got NO notice that the plan was up, then I got SO many fees when I did n't even get notified the plan was up. They then put the loan into forbearance until the new paperwork could be processed all while tacking on MORE interest on top! The original loan was for {$26000.00} and I have paid about {$39000.00} over 20 years and I STILL owe {$22000.00}. THIS IS NOT FAIR! I NEED HELP WITH THESE PEOPLE AT NAVIENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (I do not know) with Patenaude & Felix APC (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Medical) with EOS Holdings, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid. 

Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act. 

Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day. 

In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods. 

When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: My loan was listed in the Federal law suit filed by the, Department Of Justice against the banks. The banks agreed to settle the law suit that was initiated. 
As per the XXXX XXXX 2016 settlement {$8.00} to {$16.00} XXXX dollars went to investors and home owners for mortgage fraud. I am filing a claim for payment of {$9.00} XXXX Dollars ( XXXX ) that is rightfully my fairs hare of the {$16.00} XXXX Dollar Settlement awarded on XXXX XXXX, 2016. My loan was included in the Mortgage Bond Settlement with Bank Of America and XXXX for property XXXX, NY XXXX. 
The loan was not a viable loan, the loan violated XXXX, RESPA, REGULATION Z, TILA, FAIR HOUSING based on AGE DISCRIMINATION. I was taken advantage of. The loan was a predatory loan. Also, the bank never provided me with the Good Faith Estimate prior to issuing the loan. Both Title company and the Bank refused to give me copies of any of the documents they presented to me for me to sign. I did not receive any documents prior to closing, during closing or after the closing. 
Please advise and forward all the proper documents needed to file a formal complaint and request for my fair share of the {$1600.00} XXXX Dollar 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 07/28/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is a duplicate as the attachments I had attempted to send previously did not attach I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XXXX from XXXX. These are specifically marked that the debts were discharged/forgiven and have supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my prior disputes, they updated the items correctly. Unfortunately Equifax reverted back to reporting it incorrectly as originally disputed. I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually while I 'm on the phone and send updated reports to my house. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters freshman year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances since XXXX. Please help me get this corrected permanently. Thank you for your time.

Company response to consumer: Closed with explanation