milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. 

Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on TrXXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES onXX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, disability etc. Which is actually inaccurate because for XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Medical) with Receivable Solutions, Inc. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Certified letter sent on XXXX, they continue to call all hours of the day

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Vehicle loan or lease (Loan) with FULTON FINANCIAL CORPORATION (FL).
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: My husband and I paid off our auto loan with XXXX XXXX XXXX in entirety on XXXX XXXX, XXXX. It is now three months later and we still do not have the title. We have wasted countless hours on the phone trying to track it down. Our mail was being forwarded from our previous address, and we have had no issue receiving anything else. 



My husband spoke with XXXX XXXX who mailed us a form to fill out to get a duplicate of the title, which he had to go to the trouble of filling out, gather supporting documentation, and sending to the DMV in NJ - and waiting. We contacting the NJ DMV before the holidays and were told they were backed up and it could take weeks. This is now directly affecting the proper legal registration of the vehicle with the state of Florida. 



I would like to know exactly where the original title is at this moment? XXXX XXXX XXXX felt they could lecture me over a late payment and " not being a responsible person '' - yet my entire title is now missing? I have had to pay late fees when I drop the ball, so what consequence is the bank facing for losing my property? 


We paid off our loan, and should have had our title months ago. There is no excuse for this and an apology is simply unacceptable at this point. I would like the bank to obtain my title so I can properly register my vehicle immediately. I would also like every late fee I have ever paid to the bank to be redistributed to me as they should be held to exactly the same standard as their customers are. If the shoe was on the other foot the bank would be seizing my vehicle. This is not acceptable and I would like a proper explanation as to how this is okay for a financial institution to operate. We will be seeking legal action if this matter is not resolved in the coming weeks.

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 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector calls multiple times a week and repeatedly calls my place of employment even after I told them not to call my office. Leaves messages saying that they " must hear back from you by the close of business '', insinuating that there will be consequences. They have also started charging monthly interest which was not in my agreement for the original debt. I have received un-wanted attention from my management team at work regarding outstanding personal debt and for using company phones for personal business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with National Recovery Services LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company has left multiple messages stating that they 'll sue me for a debt. They left no file or reference number, and the one time I spoke to someone, I requested proof of the debt and have yet to receive anything. And states that they could n't do that until they receive a payment. I feel like this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I received a letter from Experian stating that " we are required to notify you that within the last 30 days changes to your name, address, or Social Security Number have been reported to us by a creditor. '' I have not changed any of these items about myself. I contacted Experian to find out who the creditor is that did this. They will not tell me or provide any details. They asked me to order a copy of my credit report to check that all is correct. I did that and everything is ok. But I still want to know what creditor is trying to change my personal information and I believe Experian is required to provide this information 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 09-12-2017 about Debt collection (Other debt) with Focus Holding Company (CT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: At the time of this complaint this agency is reporting a negative account to all XXXX credit bureaus. This agency 's license to collect in the state of Florida was terminated on XXXX/XXXX/XXXX. As such, this agency is illegally attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX which states " XXXX penalty.It shall be a misdemeanor of the first degree, punishable as provided in s. XXXX or s. XXXX, for any person not exempt from registering as provided in this part to engage in collecting consumer debts in this state without first registering with the office, or to register or attempt to register by means of fraud, misrepresentation, or concealment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with LJ Ross Associates (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a call from LJ ROSS ASSOCIATES IN collections a few months back and payed the bill over the phone it was a consumers bill I never received after moving it was a prorated bill a few days left of my monthly bill. The bill went to collections for almost two year without my knowledge and damaged my credit.The bill was only around {$40.00} I payed it right way after learning about it. I would like you to make a note and repair my credit. The bill was with consumers energy XXXX My name was XXXX XXXX I am now XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Payday loan) with Integrated Asset Recovery LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: HI, ok, I got a call from a company telling me that I was going to be served tomorrow between XXXX for an old payday loan. He said that I had 10 days to pay or I would be " SERVED '' and court cost plus garnishment would all add more to the bill. He scared me so I gave him my info and split the payment in half, for {$580.00} each. 

I started to have doubts once I calmed down which was a couple of days, then I called the attornery general in Ohio and also my bank, Both had said they get hundered of calls like that and more than likely its a scam. So I stopped payment on the payments and luckily my bank refunded XXXX payment that was processed and the other payment did not go through.. 

I googled the company and there were alot of people who commented on how they got the exact same speal. 

The name of the company is different though, the name he gave me was XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The name of the company may be different but the address is identical. I am confident that this is the same company. 

I just googled that address and its a XXXX. 

He called me today and wanted to know why i stopped payment, of course this was on my voice mail and i was at work, but XXXX minutes later, my son texted me that XXXX called him and told him to have me call about a legal matter. 

I called the XXXX for New York and they told me that this company has an F rating and that is is illegal for a company to collect on a payday loan. 

I hope that you can help me get him to leave me alone. 

Thanks for your help, I really appericate it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (OR).
Issue: Money was not available when promised

Complaint: I wired {$24000.00} to XXXX Coinbase Inc. on Monday XX/XX/2018. Anticipated time-frame 2-3 days for funds to arrive. I submitted a Support Case on Friday XX/XX/2018. On XX/XX/2018 I found an " Escalation form '' for Delayed Wires and re-submitted relevant information. As of today, XX/XX/2018 ( 13 business days ) I have not heard any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RENT RECOVERY SOLUTIONS is a debt collection company that I have asked to remove debt from my credit report that I do not owe. Not only did they not remove the debt but they have it listed twice and refuses to correct this issue on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Medical) with NRA Group, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hello, I am the co-signer of a Sallie-Mae private loan. This loan is more than XXXX paid off and in good -standing. Sallie Mae is harassing both my daughter and myself by calling us non-stop multiple months in a row stating payments have not been made. Payments have been made ; however Sallie Mae does not process them in -time or properly. From my end, payments have been withdrawn from my bank account and then not applied for XXXX weeks to the account. This month, I made a payment with Sallie Mae 's own internal payment system and received a confirmation number. This was on XXXX XXXX. Payment was processed on XXXX XXXX. I called on XXXX XXXX to speak with a customer service rep to re-confirm this was what was showing on their computer screens. I was told yes this is correct and that payment was applied. Harassing phone calls continued throughout the holiday weekend. XXXX XXXX another harassing phone call arrived in the afternoon. When I returned the call, the service representative answered the phone and stated I had an overdue balance and asked me how I was going to " take care of the balance due today ''. I informed this representative payment was processed and already paid. She went on to ask if I had the correct address. I informed her that yes I do ; however, this payment went through Sallie Mae 's own internal payment system over the phone. When she indeed checked, she confirmed that the payment was processed and that the account was current. I requested the harassing collection calls to stop and she verified that they would indeed stop as of that phone call the afternoon of XXXX XXXX. My daughter and I both received another call XXXX on XXXX XXXX. I have since blocked the Sallie Mae number on my phone and have advised my daughter to do the same. I informed the service representative that I had investigated the bill pay software on my computer. When prompted for address changes/updates, the program states " Sallie Mae will contact us with address changes ''. I have correct address for bill payments, but since the program does not allow me to manually put them into a payer with established contacts such as Sallie Mae, I have decided to mail future payments. The representative told me not to mail the payments because they have a slow time processing the mail. I do not have any problems or difficulties with any other loans or any other bills I pay. I would respectfully request Sallie Mae to stop harassing both my daughter and myself with phone calls when payment has already been sent. I further request all late fees from this year be removed from this loan. I would also like an apology from someone for all of these harassing phone calls and loss of time from my day. 
Sincerely, 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 monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter from   XXXX   XXXX   around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
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Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC.

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 09/17/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Equifax has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via XXXX or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back on XX/XX/XXXX, I began looking into my credit report because I wanted to make sure I was credit ready for loans. I reviewed my report and it was 90 % flawless. The only thing on my report that was derogatory was a paid collection that was reporting across all three credit bureaus. The only problem with that, is that it did not belong to me. The account said that it was a collection for a XXXX XXXX XXXX. Neither me, my wife, nor any of my children have ever been to XXXX XXXX XXXX. I 've never even heard of them. I swiftly disputed the account with all three credit bureaus. Within 30 days of my dispute I received a notice from both XXXX XXXX and XXXX  showing the account had in fact been erroneous and deleted from my credit report. I did not receive a similar letter from Equifax. I received no letter at all from Equifax. It has now been nearly 4 months and I have yet to receive any notification of any kind from Equifax. This is not the only time this has happened in my househould. My wife had the same problem from Equifax and she started the process long before I did. She started in XXXX of 2016. She even attempted numerous times to no avail. Ultimately she had to contact you and file a complaint on XX/XX/XXXX of this year before Equifax decided to actually respond and delete accounts that did not belong to her and had been deleted by the other 2 credit bureaus months prior. I do not feel like waiting 7 months. Because of what my wife went trough, I did research on this matter and found out that the F.C.R.A. only gives Equifax 30 days to complete a reasonable investigation as well as mail me written results of the investigation. It 's been more than enough time and I will not put up with any lame excuses from Equifax stating that they felt the letter came from a credit repair company so they ignored it. If they do not delete the account from my credit report I will sue them as this has literally cost me plenty of business opportunities as I am a business owner and need my credit to complete large transactions.

Company response to consumer: Closed with non-monetary relief