milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid in 2014 but continues to show as being owed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Taking out the loan or lease

Complaint: Wells Fargo Dealer Services, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Insurance Coverage is obviously running some kind of scam on its consumers. My car was totaled in front of my residence while parked by a drunk driver. I had insurance and gap insurance however both insurances did not cover the entire balance of $ XXXX.The insurance failed to indemnify me and they also failed to disclose the nature of the gap insurance at the time of loan signing. It was my understanding that the gap insurance would cover the gap if an accident were to occur. Also, there was an insurance coverage offered by XXXX that was for the car which they are stating is non-refundable. I am not sure why they are withholding this {$700.00} upfront fee when it has not been used. I purchased this vehicle in XXXX 2015 and it was totaled XXXX/XXXX/2015. The {$500.00} balance, Wells Fargo is penalizing me for this and refused to lower my payments and/or refinance the {$500.00}. I am suffering the repercussions of fan accident that was not my fault. My credit is going t o be affected even after I ensured I was insurance to the fullest. I spoke with XXXX at the office of the President at XXXX XXXX-XXXX complain # XXXX and they are still unable to assist me as the consumer. The insurance companies have failed to serve its purpose, they have not indemnified me they have not made me whole.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (IL).
Issue: Taking out the loan or lease

Complaint: I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.

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 06/15/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A door to door salesman for  XXXX   XXXX  came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by  XXXX   XXXX  that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from  XXXX   XXXX  in collections. I called the debt collection company and they gave me the account number to resolve with  XXXX   XXXX . When I call  XXXX   XXXX  with that account number it comes up as a different person 's account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TMX Finance LLC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was harassed by Title Max Corporation of Nevada, XXXX representatives from the company ( XXXX including branch manager ). These individuals came to my place of residence asking for payment, trespassed onto a gated company. Discussed my financial matter with a family member. The account had been delinquent for 15 days. Every employee continue to contact regarding a title loan that is currently in default. I started making my phone calls the appropriate departments and I am refusing to pay any more on a contract that 's violated FDCPA regulations XXXX. 

I believe these individuals have been engaging in illegal debt collection policies and practices. Their engaging in loan agreements that surpass the allowed length of a title loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management of XXXX XXXX, California, falsely claims that I owe it money. I do not. Furthermore, it falsely claims that at some point I owed XXXX {$280.00}. I have not and do not owe this money to XXXX. ( Please note that an address in XXXX XXXX appears on Midland 's demand letter, while a XXXX XXXX address appears on a payment envelope they sent to me. See copies of each herewith attached. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have received a notice from   XXXX   today that a negative issue has affected my perfect  credit score. Evid ently, a " Walmart Credit Card '' was opened in my name with a balance of {$600.00} due. This has now been reported on my  credit score -- which contains ALL accounts which are not only NEVER LATE but have NEVER CARRIED A BALANCE. I have no idea how someone could have opened an account with my information? This is very troubling to me, as I have several credit cards and perfect credit. Someone from this " Walmart Credit Card '' was calling me a few months ago and leaving messages. I in fact, called this number back only to get an answering machine with a LOOP in the message tree. I then reported this phone number to the Do Not Call List and in searching online found that several other people have also reported the number because of someone calling about an unknown " Walmart Credit Card. '' This is very troubling and I hope that someone looks into this carefully to see what is going on.      I will absolutely legal pursue damages against this company if this is not resolved readily.

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 09-07-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX my son was seen by a doctor in an emergency room for a XXXX XXXX. Both the doctor and emergency room were in service providers. A company called XXXX XXXX sent us a bill. I called my insurance company to ask if I did still owe money because all of my paperwork indicates, " Patient owes provider {$0.00}. '' I have provided this information to both XXXX XXXX and Commonwealth Financial Systems IncXXXX but the issue still has not been resolved. I have also sent a letter to both from my insurance company that states, " The correct patient liability after our payment would be {$0.00}. '' Again, the paperwork was ignored, and the situation not resolved. Despite this communication and numerous phone calls, Commonwealth continues to report this as an unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This university is collecting tuition and fees while dismissing students at anytime without evidence. Thus keeping the students funds that loans have been taken out for. These loans have been isssued through this institution then redeemed by the institution and forcing forfeiture of ability to benefit. They have done this to someone with a mental/emotional   XXXX or XXXX. The institution does this without hearing. When asked questions during dismissal the representatives said that they would not answer questions. When superior representation was contacted student was directed to an ombudsman. The ombudsman allowed for this students complaints to go unanswered to. Ultimately, this student has been given the run around for a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with Resurgence Legal Group, PC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: on XXXX/XXXX/2016 i applied for a loan modification and the lender took 2 months to gave me an answer my loan modification was declined due to insufficient income, i requested an appeal because i had a contributor willing to help with the mortgage, a week ago i got a call from my single point of contact on friday and he told me that my loan modification was declined and did not gave me a reason also my single point of contact has been changed 3 times, now i want to appeal the decision and have not been able to contact him after several calls please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with Convergent Resources, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016.
When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed.
After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else.
I will have proof of payment by mail from the XXXX  center, XXXX XXXX XXXX, this week.
They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid.
What can I do? XXXX XXXX  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 explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have checked my credit through XXXX XXXX to see why I been denied on purchasing a tv through credit and saw that I have two credit report through synchrony bank which o do n't recognize or know about and I been to trying to dispute it from my record.

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 12/13/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I ran my free credit report today. It shows credit card, CBNA, with revolving terms, opened XXXX XXXX, 2016. I DID not authorize and suspect attempted ID theft. How do I get rid of this and prevent this from happening again?

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 10/23/2017 about Debt collection (I do not know) with Lien Enforcement Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX me and my spouse sold a XXXX XXXX XXXX we we contacted a year later by XXXX XXXX XXXX XXXX XXXX i faxed them thew XXXX XXXX XXXX paper and they stopped calling last week the week of XX/XX/XXXXto XX/XX/XXXX from a company called lien enforcent, Inc stating we owe XXXX for the vehicle I then contacted them and told them we had sold the vihcle and faxed them the lean paper only to hear back from the same guy who contacted me to say it was not valid and that not to listen to the XXXX he threatens me and my wife and I want this to stop there number is XXXX please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom it may concern : I am writing to file a complaint against Ocwen Loan Servicing , LLC in connection with the denial of a loan modification submitted as part of the National Ocwen Settlement ( https : //nationalocwensettlement.com/ ). After submitting all requested paperwork to make a settlement claim for modification of the mortgage on my primary residence, I received the attached denial letter from Ocwen. The denial states as follows : '' We are unable to offer you a Home Affordable Modification because : The Owner of your loan does not allow modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a Shared Appreciation Modification because : Unfortunately, the owner of your loan does not allowloan modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a proprietary modification because : Unfortunately, the owner of your loan does not allow loanmodifications. Please note, not all eligibility factors were evaluated. 

According to our records, XXXX XXXX XXXX XXXX XXXX, As XXXX For XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage-Backed Pass-Through Certificates Series XXXX is the owner of your loan. " For the past four years, I have attempted to modify the mortgage on my primary residence located at XXXX XXXX XXXX XXXX XXXX, WA XXXX. 
During the recession I lost a job in a field I 'd been employed in for over 20 years. 
My husband is the owner of a restaurant and had also fallen on difficult financial times in XX/XX/XXXX. 
I put 20 % down on this property and never refinanced. 
I made my payments and we had money saved. 
We depleted all of our retirement and savings in a 1 1/2 years, between having to loan money to the businesses and keeping our bills up. 
I contacted the mortgage company at the time and went to a foreclosure counseling, provided by the lender. 
I brought all documentation. 
At that time, I was told I was a prime candidate for a mortgage modification. There was never any disclosure made to me that my loan prohibited modification. 
To date, I have submitted at least XXXX MOD packages that I can account for. 

I am now facing a foreclosure lawsuit initiated by the lawyers for Ocwen in the name of the trust. A summary judgment hearing is scheduled for XX/XX/XXXX and I have yet to receive any response to the appeal filed in connection with my modification request made pursuant to the National Ocwen Settlement. 

I am XXXX years old and I do not want to lose my home. I 'm ready, willing and able to make mortgage payments on my house. I 'm hopeful that the CFPB can help me with a settlement claim so I can keep my home. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Due to financial hardship, I fell behind on my mortgage payments. I discussed my situation with my lender XXXX Bank of America XXXX in XXXX of 2015. I submitted the XXXX for Mortgage Assistance in XXXX, including all requested documentation only to be asked to submit the same paperwork over and over again. During the phone conversations, Bank of America, appeared to give me the run around and they informed me that the service on my loan was being sold on XXXX XXXX, 2015. I was also told that all paperwork would be sent with the loan documentation. I did not receive anything in writing about who will be servicing the loan. According to a letter I received on XXXX XXXX, 2015, from my understanding the service company assigned to my account is XXXX which is an agent of XXXX XXXX. I informed XXXX XXXX XXXX that I had completed paperwork for Mortgage Assistance, but they told me that there was no paperwork of that nature on file. Bank of America did not process the paperwork as they led me to believe. I requested the forms for Mortgage Assistance from XXXX XXXX XXXX, but I am yet to receive the paperwork. In short, the agent for my loan as well as Bank of America have not provided proper support for my repeated requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this money from a credit card upon in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. insurance payment in full the entire amount of money. the XXXX XXXX XXXX sold it without telling me to " XXXX, XXXX XXXX XXXX, XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live, now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork.

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