milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am an XXXX service member. In either XX/XX/XXXX or XX/XX/XXXX I received a collection notice from Convergent Outsourcing, who 's address is somewhat confusing and seems to be in violation of the 3rd party notification in the FDCPA section 807 ( 14 ). Meaning the return address is from XXXX in XXXX, XXXX, yet an address for Convergent Outsourcing is also printed on the notice with a XXXX, XXXX address. The complaint I have is that the collection that they are trying to collect is fraudulent and was proven so by the State Attorney General ( SAG ) in XXXX XX/XX/XXXX. In my response to that first notice sent by Convergent, I told them that the claim by XXXX had been investigated XX/XX/XXXX along with many others by the State Attorney General in XXXX after I was contacted by Asst SAG XXXX XXXX ( XXXX XXXX, XXXX office ), after the SAG launched an investigation due to a news cast done by XXXX XXXX in XXXX, as many XXXX residents had complained about receiving collection entries on their credit report from XXXX for accounts they did n't have. XXXX XXXX contacted me personally because although I was unaware of the XXXX XXXX broadcast, I had just submitted a compliant to SAG concerning XXXX after learning when trying to purchased a home, XXXX had made XXXX collection entries to my credit reports that I had disputed but received no cooperation from XXXX. I also reminded Convergent that if I had owed such monies, efforts for me to pay these monies were well past the statue of limitations time. I also asked Convergent to verify this debt, and to remove any and all transactions concerning this fraudulent debt from my credit reports if they had made such entries. I have yet to receive any validation, which I did n't expect to as there is none. However, I did receive an additional collection " settlement in full '' offer letter from Convergent dated XX/XX/XXXX for {$410.00}. They totally have disregarded my communication with them concerning this proven fraudulent debt by still insisting I have it and asking me to pay it. I will forward this same complaint with the XXXX in the state of XXXX and XXXX ( got the XXXX address info from an attorney site- XXXX ) as it seems Convergent has many addresses that they use. As I stated above I 'm an XXXX service member and have been for past XXXX years of my life, and to be hounded by a USA company who seems to cater to unethical practices is well ... a crime and XXXX shame!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Fraud or scam

Complaint: I attempted to trade on Coinbase and put in money when the introduced Bitcoin Cash. The market for Bitcoin Cash was much much higher than in other markets, but I figured that since there was a bid and an ask that I could day trade it. I bought about 40000 dollars worth of bitcoin cash. Within 2 minutes, the market was frozen and I could not get out at the prices that were shown as the bid and the ask. They took the market down for a day, and when it was brought back up, I was forced to get out at a much lower price. I tried calling them, and stayed on the line for over an hour but no person answered. 

This was a deceptive market, and I am looking to pursue any legal remedies I may have. Feel free to contact me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Non-federal student loan) with Dream Center Education Holdings (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent two harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (TX).
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: I purchased a car from a car lot using a loan from XXXX XXXX in XX/XX/XXXX. About a week later, I paid off the loan with a Chase loan in XX/XX/XXXX. I received confirmation from XXXX in the form of a letter stating that my loan had been paid off and that they would release the lien. I do not have a copy of the letter and as of XX/XX/XXXX, XXXX refuses to send me a copy of the letter, proof that my loan was paid off, or that they released the lien. 

On XX/XX/XXXX, I tried to sell my truck to a car dealership. They agreed to payoff my loan with Chase, but discovered that Chase is not the lien holder and that the previous owners are still the owners of the car. Me and my mother ( the supposed owners of the car ) are not on the title. I called Chase, and they told me that they would obtain XXXX 's lien release, transfer the title from the previous owners to the current owners, and record the Chase lien by XX/XX/XXXX. They never did. They kept asking for more time, extensions, and Chase keeps blaming XXXX for not sending the lien release to them. However, XXXX already confirmed that they sent the first lien release and title to Chase 's XXXX XXXX  in XXXX XXXX, Texas in XX/XX/XXXX. And XXXX confirmed that they resent the lien release in XX/XX/XXXX. 

Chase keeps saying that XXXX has not responded to their request for the lien release, and XXXX says that they have already sent it twice. 

Meanwhile, Chase keeps withdrawing the monthly payments from my checking account despite the fact that they do not have the title, or a lien recorded on my truck. 

Also, I can not renew the license plate 's registration on my truck, which expired in XX/XX/XXXX, because the license plates that are on my vehicle belong to the previous owners since Chase never transferred the title to the current owners ( me and my mother ). 

As of XX/XX/XXXX, the truck is still under the previous owner 's name with XXXX as a lien holder, according to the Texas DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On Wednesday, XXXX XXXX, 2017, I sent Experian a certified letter disputing inaccurate and false information on my credit report being reported by XXXX XXXX XXXX XXXX, reference number : XXXX which is located at XXXX XXXX XXXX, XXXX XXXX , FL XXXX. I am confident that XXXX XXXX XXXX XXXX  never replied to Experian during their so called investigation. I sent XXXX XXXX XXXX XXXX a certified letter on XXXX XXXX, 2017 and they never responded to my letter. Furthermore, Experian has this item being reported by XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX. I sent the very same dispute to XXXX and it was removed from my credit report between XXXX XXXX and XXXX XXXX. I believe that Experian has acted in bad faith and has not complied with the Fair Credit Reporting Act, which I specifically requested VALIDATION that is competent evidence bearing my signature showing that I have had some contractual obligation to pay a debt owed to XXXX XXXX XXXX XXXX. If XXXX XXXX never responded to XXXX or myself within 30 days of my complaint, where is the proof that they in fact responded to Experian? I want this item removed from my credit report 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 non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I went into get a loan and was giving my credit report and I found that my mortgage company was not reporting my payments for the last 13 years. I have been paying $ XXXX {$600.00} a month on time and no I have not did anything about it but file this complaint.

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 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I made a complaint about this debt not being mine through XXXX and now it is showing on my XXXX credit reports. This debt is not mine. I do not know whos account it is. but now it is affecting all XXXX of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I was using a Netspend prepaid card. I had reloaded the card and within an hour after loading funds on the card, I noticed that funds had been deducted from my card via text messages, which indicated my balance had changed. 
I contacted the Netspend to report the matter, and after makIng numerous attemps to get someone on the phone, I finally got through to someone in customer service to handle my complaint. 
I explained that I had received text messages indicating that I had noticed unauthorized activity on my card. 
The customer servuce rep., put me on hold while he looked up account activity and told me that there were international transaction that had been made on card. I explained ghat I had not made nor authorized any such transactions. 
The agent explained that a block needed to be put on card immediately. 
I informed the ageng that I needed to withdraw what remaining funds from card and that it was urgent that I do so, because I needed the funds right away. The agent told me my options were : ,that I had an additional card availible or if I knew someone that had a Netspend card who could receive funds for me. 
I did not know anyone with a Netspend card, which I inform the agent taking the call. I asked could the money be sent via XXXX XXXX, or, if I could purchase another card and call thd knew card number in. I was told no, so I ask if I could draw my remaiding funds off card via an ATM since I was near an exit where one was located.The agent agreed that I could withdraw funds from ATM while he was still on the other end of call. I arrived at location and informed represengive that I had arrived. Atfter telling agent I was at location go withdraw funds, he hangs up the phone. I was under the impression that he would stay online until trasaction had completed, this did not occur. The agent had hang up on me prior go my even reaching the teller machine. 
After again making numerous attemps to get someone on the phone and having go repeat my delima over and over, I was told that the card had been blocked and could not be unblocked, even though I was still at location where I could make withdrawal of funds remaining on card.I at this point demanded that card and account be closed and that a check be sent to my residence. At this point I didnt trust continuing any futher relation with Netspend, as I inform customer represenative.I was told it would take 10- 20. business days to get my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The Credit Reporting Agencies hold consumers hostage and decide their credit fate at their whim. Their undisclosed algorithms calculate a score that consumers do not have access to unless they apply for a loan or " buy '' the score from the agency ( for a monthly fee of {$29.00} ). When you do buy a score from XXXX of these companies, it 's not guaranteed to be the same score a creditor would get if pulled on the same day. That is because each reporting agency has multiple scoring systems and there is no certainty as to which XXXX the creditor is pulling. The " key factors affecting your credit score '' are even more of a joke. They do not provide any real insight into your score and are not consistently supported by what is in your report. I recent requested by XXXX report from XXXX. Despite no delinquencies, charges offs, or other negative information showing on the report ( not XXXX derogatory item ), the top factor affecting my score was " serious delinquency. '' The credit score tracking provided by XXXX of my credit cards ( presumably from Experian ) is no where near close to the credit score disclosed to me on a risk based pricing notice from a creditor from the same period. The credit reporting agencies have a monopoly over individual 's credit access and they are not held accountable nor is there any transparency. When is the CFPB going to regulate this industry and hold these companies accountable? How many studies must you conduct regarding the abuse before you take action? FCRA does not provide any consumer protection from these for-profit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Attempted to do a loan modification with Shellpoint. Submitted multiple sets of documentation over the last 6 months with absolutely no phone contact with them. They just turned me down claiming I do n't qualify for a mortgage reduction. Homes directly across street sold recently at XXXX. I do not accept their decision. Especially since they operate so shady.

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 Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX Hospital, the file is again reopened for a XXXX time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX, XXXX, have been calling my workplace, everyday, 5 days a week, for about 3 months. 
When the phone is answered by an employee other than myself, they hang up. 
Twice I answered the phone with a " Hello '', instead of my company 's greeting, and then the caller identified themselves as Portfolio Recovery. Both times I told them that the number they were calling is a place of business and NOT to call there. 
What makes this worse, is that this is an attempt to collect a debt that has been " charged-off '' by the original creditor, and Portfolio has posted this debt 4 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to my credit report as a " new debt '' and " collections '' on my credit reports. 
Portfolio Recovery is placing my employment in jeopardy and willfully damaging my credit by their actions, which are highly unethical and in the case of calling my place of employment after being told not to do so, may be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is attempting to collect a debt that is not mine, also they have negatively posted on my credit reports, I ask for validation from the credit bureau as well as midland and received nothing yet the post is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of Identity theft and the items on my credit report are over 7 years old

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My realtor and I started working on a short sale and when we called initially they told us there was no auction date and to submit all necessary docs. All of a sudden an Auction date was set for XXXX XXXX and we were not notified, instead they kept asking for more and more updated documents. We submitted a complete package with a willing and able buyer willing to negotiate and they declined our file and stated that the lender denied the offer and was proceeding with the auction. We are in belief that this is not being handled property and that there has to be an opportunity to continue with a short sale since we were told we could. I believe that I am being discriminated against and not being given the assistance/options that the lender has offered. Auction is set for XXXX/XXXX/15 and looking to postpone so that our file can be reviwed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. 
I do't know this company never received any letter except harassment phone calls

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 03-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I keep receiving multiple calls on my cell phone and house phone from this number XXXX claiming I wrote a bad check from Wells Fargo in 2006. First of all, if I had written XXXX I would have taken care of it. Second, this is the first I 've heard of it and they said I 've been notified previously through mail. Third, the statute of limitations on bad checks in the state of California is 2 years. My concern is how this company got my information. This is an invasion of privacy. My phone numbers are not publicly listed.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received denial letter on XX/XX/2017. Per the denial letter my credit report and score were pulled by SageStream , LLC. This is a company that Ive never heard of/or has not made services available online to where I can see if the information being reported is true and correct.

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 06/28/2015 about Mortgage (FHA mortgage) with Guardian Angel Mortgage (PA).
Issue: Settlement process and costs

Complaint: my morgage broker told me she knew the rules ... ... ... .she waited until two wks to closure to order the XXXX appraisal which she told me later would me min of XXXX wks ... ... this caused me to extend me lock rate and cose me an a dittional XXXX on ever extention ... ... .she neglectected to pay attention to the fact that the curren owner owned the property less than a year and increased the value more than double of which they purchased ... ... .she owns the company she handles ... ..she should have known it would take XXXX appraisls to close ... ... .she continued to try to extend the mortgage every day ... ... I should not be responsibile for extensions she caused either due to her lack of knowlege or due to her act of of god as she purposed to me ... ... ... .I paid XXXX % at closing due to her negligence ... ... ..is this what he government is standing by? 

XXXX XXXX

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