milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Looking to fix my credit to purchase property, I requested a validation of the account via mail 3 times. The only answer we received was a bill, with no break down or validation at all. 
No breakdown of fees or any other explanation. This account was unattractive for years, know the calls are extremely over the limit calling all day about every hour, and letters on the mail 2-3 every week. I have called the agency to request and offer a settlement. 
They refuse to offer anything and know, I am getting calls with treated to take legal action. 
This company fail 3 times to Validate the account credit agencies disclose that agency have show them prove and validate the account, but I do not get anything in paper. just the bill. 

In addition, now other company ERC collection agency is sending me a bill and calling and every time I ask to disclose the name or employee ID for my records. They refuse to gave name and they star with treated to take legal action. 

Note : If XXXX sold the account? I never give XXXX authorization to release my personal information like my home number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: On   XXXX   XXXX    2017 I Submitted  a complete Request for mortgage assistance to Nation Star and have requested Short sell. After multiple attempts at trying to save my home, I have tried everything including modifications and have been denied I am now seeking a short sell. When I submitted my  short sell request the date was  X/XX/17 , at the time my sell date was scheduled for  X/XX/17  I have provided all documentation requested from me. I and my realtor have been in constant contact with Nationstar to check on the status of the short sell. Nation star has confirmed that they have received all documentation pertaining to the short. After 2 months of review, Short sell was declined on  X/XX/17  due to upcoming foreclosure date of  X/XX/17 . I have filled a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Nationstar not allowing for a proper review of Short sell, This request and complaints have not yet been answered. Short sell was again reviewed and again declined on  X/XX/17 . Nationstar will not review any workout solution if under 37 days of sell date.Nationstar claim that the review process in under 37 days but i have fax confirmation that i have submitted all forms well over 37 days of foreclosure.. Shortsell was submitted  X/XX/17  sell date was  X/XX/17  This is well over 37 days of sell date. Nationstar Is now forcibly try ing to foreclose my home without following the proper procedures. If Nationstar proceed with this foreclosure they will be violatin g Homeow  ners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Nationstar to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without   providing a written explanation and a 30 day period to appeal the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian claims that I did n't respond to their previous mailing of my report for a dispute however a certified letter was mailed giving them my correct addresses and the correct spelling of my name. I then asked them for a fax number through my last cfpd complaint in which they did not respond so I found the fax number myself and sent that on XXXX XXXX, 2017 and I have my confirmation. To date any other addresses and incorrect names on my report remain and they are to be removed immediately.

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 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: My complaint is against Coinbase. 
I made a Bitcoin purchase on XX/XX/ XXXX reference code XXXX for {$1400.00} USD @ {$11000.00} per Bitcoin. The transaction has NOT been added to my BTC account on Coinbase. The {$1400.00} has been taken out of my bank account at XXXX XXXX XXXX XXXX on XX/XX/. My first attempt with the Coinbase help center was sent on XX/XX/ with no response Case # XXXX. I have since called 3 times, mailed letters, the only response I have received is that my case has been elevated to " urgent ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Aargon Agency Inc has n't validated this alleged debt as belonging to me. I have sent two certified mail asking the agency to provide me with proof. I have not received anything. I sent a certified letter on XXXX XXXX 2017 and XXXX XXXX 2017 and still have yet to receive proof of debt and signatures belonging to me

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXXXXXX XXXX XXXX had a judgement lien and the judgement lien has been satisfied. If was satisfied on XX/XX/XXXX. I pull my credit report and it show I still own XXXX XXXX XXXX. I will enclose a letters from the Debt Collector and Court showing the release of Judgment Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX I filed a direct dispute through XXXX XXXX with Transunion about a debt on my credit report. The debt was with XXXX XXXX XXXX XXXX collection agency. The original creditor was XXXX. I never received notification that this item was going on my credit report., which by my understanding is required under the Fair credit act. In addition, I have requested a bill from the original creditor itemizing the charges. Since when I terminated service in XXXX of XXXX I had a XXXX balance. XXXX reported this to the credit reporting agencies in XXXX of XXXX. I requested the bill from XXXX previously on XXXX XXXX, XXXX. Trans union completed their investigation on XXXX XXXX. I have requested the source of verification from Trans Union but was told that they can not provide me with that information. I asked them to reinvestigate the negative on XXXX XXXX. I am requesting that XXXX and/or Transunion remove this from my credit report if it can not be verified with a bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Shopping for a loan or lease

Complaint: I received a letter from OneMain FI from XXXX, CA state that I pre qualify for a installment loan After I try to apply for a loan said that I am not qualfy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our home ( primary residence ), as a result of XX/XX/2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per XXXX but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX Experian, XXXX and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan started out at {$70000.00} with Indy Mac. It is now up to {$80000.00} with another 30 years added. Another company, XXXX, supposedly was to begin to handle my loan. That did not work, I was charged because the company, XXXX, never existed. I keep making payments that are more than Ocwen is charging per month. I want out. I want to sue. A payment of over {$3000.00} was made but disappeared. A letter was sent that had nothing to do with me. Where do I sign up to sue. I have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have tried to dispute inaccurate information listed on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX There are multiple incomplete and inaccurate information listed on my account. I have called both banks they have listed XXXX XXXX XXXX and XXXX XXXX XXXX. They have told me the issue is with XXXX XXXX XXXX and how they are reporting. I do not have any outstanding balances with either banks and have been told by the banks that the account reason being closed that was sent to Early Warning was closed which does not convey a negative situation. XXXX XXXX XXXX give me the run around telling me to call the banks and this is the information the banks give me telling me to call Early Warning because they are putting information that is incorrect, incomplete and deragatory.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I returned my XXXX XXXX XXXX on XXXX XXXX, XXXX, to XXXX XXXX XXXX in XXXX XXXX, VA, upon the maturity of a lease. However, I received a bill in the amount of {$970.00} on XXXX XXXX, XXXX. The bill included a $ XXXX lease payment, {$350.00} disposition fee, despite the fact that I received a confirmation over the phone on XXXX XXXX, XXXX, that these charges will be waived after my spouse 's lease of a new XXXX. He did end up leasing the vehicle to save on charges. 
The most disappointing fact was that the bill included {$410.00} charge for a windshield chip. I do not recall the chip. When I was dropping of the vehicle, the dealer conducted the inspection and never mentioned the damage. I was told during the phone call that the third party inspection conducted on XXXX XXXX, XXXX, revealed the damage. My suspicion is that something happened to a windshield between drop off date on XXXX XXXX XXXX and XXXX XXXX XXXX. 
I tried to explain my situation to Toyota Financial Services, but no one could help. I do believe that there is a flaw in the Toyota 's system of lease returns. Consumers have to be informed by Toyota about the third party pre-inspection option. This has to be a required step during a lease return, so as a consumer, I witness the revealing of a damage. Otherwise, I am feeling that I am being billed for a damage that has been caused by someone else. Moreover, if I would have known about the damage, I could have fixed the windshield myself through my insurance for much more cheaper price. I believe that I had a coverage for windshield repair. It would cost me {$0.00}. Now, I am in the limbo of Toyota 's policies with an obligation to pay {$410.00} for something that I have not done. 

In addition, I had to call Toyota Financial Services 3-4 times to waive the charges for disposition and XXXX lease payment. I had to spend 1-2 hours each time to explain the situation and promises Toyota Financial Services have given me. Luckily, XXXX XXXX XXXX ID # XXXX had a time to discuss my situation and listen to me. We were able to agree on waiving $ XXXX XXXX lease payment, and {$350.00} disposition fee because they promised to do so if my spouse leases new vehicle. 

Despite spending hours over the phone with customer service representatives at Toyota Financial Services, no one was able to remove {$410.00} charge for a chip on a windshield. I was planning to write to Toyota 's corporate office, but came across the CFPB. I do hope that this complaint will require some policy changes at Toyota Motor Sales Matured Lease Services. 

As I mentioned before, I do hope that the pre-inspection will become mandatory prior to lease returns unless consumer waives it in written form and states that they wo n't disagree with post lease return charges on damages. I also hope that Toyota will be able to reimburse charges to consumers who truly believe/d that they were billed wrongfully. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am contacting your agency because I have sent Equifax letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX. Please help me in getting Equifax to remove these liens from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Making/receiving payments, sending money

Complaint: I experienced a problem with my personal bank sending an amount of money, through bill pay, to my Bank of America debit card account. My personal bank said the Bank of America bill pay address was not correct and the check meant for Bank of America was returned to my personal bank and marked undeliverable by the USPS. I called Bank of America to find out if they had changed their address so I could give any new address for Bank of America to my personal bank. I was told, by the Bank of America automated voice that I had to wait THREE HOURS on the phone for a customer associate to help me. OR, Bank of America would call me back in THREE HOURS. This is a ridiculous amount of time for me to wait to speak to a bank that has my money and has loads of its own money. I do n't want them to call me back in three hours. I could be anywhere by then and not in the position to discuss sensitive banking information. That is the nature of this complaint : the amount of time Bank of America says I have to wait for help.

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 07/25/2016 about Debt collection (I do not know) with Professional Placement Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted and sent Fraud Affidavits to Professional Placement. Also, I have disputed this account with XXXX who stated that Professional Placement verified that this account belongs to me. I find that hard to believe since I was never able to get a response back from Professional Placement. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation