milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is a result of an injury at work. Workers comp did not receive a bill. Claim number XXXX. Workers comp and or insurance is responsible not me. Negative reports hurting my credit. Trying to get a resolution since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower 's was notified of a Trustee Sale scheduled on XX/XX/2016. They received a notice on/before XX/XX/2016. When they contacted the lender to request Mortgage Assistance on XX/XX/2016, they were informed by the lender that they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why were n't they provided the notice at least 37 days before the Sale date so they have had enough time to request mortgage assistance. The representative said that that was something that they were not required to do and that the Sale date will go through as scheduled unless there was a purchase offer submitted for the property, and even if there was, they may not be able to postpone the Sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have filed a previous complaint about this company. Complaint number :  XXXX  on  XX/XX/2017   . They admitted to purchasing the debt from a company called  XXXX . They admitted to attempting to collect the debt they had purchase. They sent me mail containing information of a car purchase. Non of the information mailed to me contain a contract between me and NCB management. I have notice this collection has come off of my  XXXX  credit report, yet remains on the other bureaus credit report. As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  NCB MANAGEMENT SERVICE l icense. I have found they are in direct violation of  TENNESSE  FAIR DEBT COLLECTION PRAC TICES ACT 62-20-101. NCB MANAGEMENT SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescr ibed by the board.  TEN  NESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. NCB MANAGEMENT SERVICE is in  direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Millennium Credit Consultants Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hi this company has XXXX accounts on my File, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the Finical and Identity theft. I want it removed and please have them to stop putting it back on after it was taken off Account # 1 Millennium Credit {$1000.00} Fraud Account # 2 Millennium Credit {$1000.00} Fraud

Company response to consumer: Untimely response
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax data breach has many people concerned, myself included. My information was stolen without my permission. Now, future endeavors I pursue might be met with consequences due to this breach, such as the inability to obtain a loan. I have put 90-day monitoring on my credit reports, but that might not be enough if my information is already leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When i was in defualt i was called and said if i do the rehabilitation program it would remove all information regarding my past negative student loan information reported to all XXXX credit agencies. The guy on the phone insisted this would happen and siked me all up about it i did default on my loans from nelnet. And now navient purchased my loans. And neither one is claiming anything would be removed only tge status will change to transfer. 

This is really misleading. I was under the assumption this would be removed and a year later still there. I think they need to stop promising this to people and get there money when they get there money. Im still paying everymonth on time but its just making me want to say forget this get your money when I die. I have other larger problems like taxes i have to take care of. 

Something should be done they should not be able to say that to people. I was hoping it would better my financails and i could get a good interest loan to help consolidate my debt then eventually buy a house some day.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Clay Chapman Iwamura Pulice & Nervell (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX, who is either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector initiated a foreclosure lawsuit on XX/XX/XXXX, as Civil Action Case No. XXXX. 
Go to First, and Second Attachment. 
For approximately the last three years, XXXX, either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX has attempted approximately 5 to 8 times to have, and hold a foreclosure sale over the last three years. 
XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX is attempting again to have a foreclosure sale this coming Tuesday, XX/XX/XXXX at XXXX XXXX 
Go to Third Attachment

Company response to consumer: Untimely response
Consumer complaint received 02-12-2018 about Mortgage (FHA mortgage) with loanDepot.com, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinanced my home through Loan drop. I was told that it would drop my payment by {$100.00}, my rate a full point, that I would skip two months of payments, my closing costs was {$500.00} and keep my escrow check. Four days before closing I was told my payment would be {$40.00} higher then promised and I will have to hand over my escrow check for closing. So I spoke back to the original guy I started the process with who informed me that he would take care of it and I will definitely keep my escrow will check. Once again the promises were broken and I was told I do still need to give off of my escrow check because it's going to be part of my closing cost but what I could do is write them a post-dated check and they will cash it 30 days after closing for the closing cost. So I wrote them a post-dated check to only come and find out 3 months later they lost my check. I spoke to another Mortgage Company who told me to bring in my closing documents so they can take a look and see what's going on because they have never heard of anything of its kind. Sure enough the amount that they had me posted the check for that they are claiming is for closing costs is not listed on my closing disclosures nor was it listed in my XXXX tax statement. I think reached out to loan Depot again and ask them why it was not listed on my closing documents or my XXXX statement. I was told that it has nothing to do with closing so I didn't ask but what is this money for. And then received a very condescending email from the processor that just told me I need to send him a replacement check and that if I had any questions to call him but every time I reach out to call him he will not answer the phone. I need help with this lender it seems like something shady is going on. This situation has been going on since XX/XX/XXXX ( closing date ) all the way up to today 's date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Problems when you are unable to pay

Complaint: OneMain Financial refuses to reclaim collateral that was discharged in my Chapter XXXX bankruptcy or release the lien on the collateral. I have contacted them several times and they continue to refuse reclamation or release of the lien. When informing them I would be returning the collateral at my own expense to their branch office as suggested by my Attorney they threatened I would be responsible for any fees they incur to move, store, dispose of the vehicle. 

I am not responsible for this legally discharged debt. OneMain is being vindictive by not reclaiming the collateral or releasing the lien so I can dispose of the collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Using a debit or ATM card

Complaint: XX/XX/2016, I filed a dispute for a charge against my checking account. This dispute was against XXXX. I filed the dispute because XXXX which offers website design and hosting service, removed my website from the Internet and did so without giving me prior notice or an explanation. I pre-paid {$33.00} for the service to be used for my business and as a result of my website being down for two weeks, suffered serious losses. My clients, sponsors and donors rely on my website for information, resources, etc and no business was able to be conducted during the time frame that my website was down. As of today, I have no idea why my website was taken down. I have asked Suntrust Bank to issue a refund for a service which I did not receive in accordance with the terms and conditions provided by XXXX. 

It has been 90 days and no action has been taken on this dispute.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been trying to get my the results of my credit investigations from Equifax since early XXXX. I have written several follow-up letters, and filed complaints, but I still have n't receiveced it. I just do n't understand why Equifax can not or will not send me the results of my credit investgations.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (I do not know) with Wilber and Associates, P.C. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: We were in an auto accident and did not have insurance. XXXX contacted us on behalf of their insured and said they were going to fix the car and bill us for his repairs. His car only had a broken headlight, so we agreed with XXXX billing us. They sent our information to a third party without letting us know and now we are being charged {$2900.00} Wilber and associates contacted us regarding this debt and would not work with making payment plans. When I said we did n't have money to make $ 300 monthly payments, they stated that was n't their problem. They threatened to suspend our driver license and we are willing to pay, but that seems excessive for a broken headlight. They wo n't hear us out to make payment plans less than {$100.00}, wilber and associates staff is very rude..

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say  the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is not XXXX XXXX XXXX. My name is XXXX XXXX. I believe XX/XX/XXXX or XX/XX/XXXX my credit I do was stolen and ever since then I have seen the name XXXX XXXX XXXX. Which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I opened a Capitol One XXXX in XXXX, lost my job and it was charged off in XXXX. On XXXX XXXX, XXXX Capitol One Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX sent XXXX process servers to my home at XXXX who would not leave, they were writing license plate numbers down and sat in front of my home for 2 hours trying to intimidate me & my Family, ( We live on a small Cul De Sac ) I had to call the Police, when they saw the police they tried to speed away but the police stopped them and made them leave, We did n't hear from the Attorney after that and Capitol One approved me for XXXX VISAs that I currently have, paid on time. My husband and I recently applied for a mortgage, and were told on XXXX XXXX, XXXX Capitol One put this old XXXX Charged off acct on my Credit Report as New. I have no Public Records and have worked hard to get my Credit where it should be. When I called Capitol One, and was told that it would be removed but then told she could n't but then was transferred to another representative who said it was a charge off to contact the attorney, when I asked Why it was showing on my Capitol One Alert that it was Capitol One that added it to my Credit Report she did n't have an answer. Today, XXXX XXXX, XXXX I found out that XXXX & XXXX still representing Capitol One has garnished my wages for this old Charged Off XXXX. I have Never been notified about this garnishment as per Colorado Law, and want this garnishment to STOP IMMEDIATELY!!!! Not only has this attorney Violated the Fair Debt Collection Practices Act by sending the Process servers after XXXX, adding an old debt after the statute of limitations is also illegal. This Attorney has been sued in the past for Violations of the FDCPA. I was advised by the Colorado Attorney Generals Office to file a Complaint with you for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I just called Wells Fargo bank Personsl Line of Credit. Tried to make a payment of {$360.00}. XXXX XXXX was rude and would take my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. 
Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit report.

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 04-06-2015 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: Hi, I purchased bitcoins from a website coinbase.com. The purchased bitcoins are supposed to be available four business days after purchase. I made a purchase on XXXX/XXXX/2015. It has been four business days and the bitcoins are not available to me. Further, the money has been deducted from my bank account for over two days as of this writing. ( Their justification for the 4 day delay is the transfer time from my bank account )

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Every time i try to check my credit score it says my personal information is incorrect. I put in all my old addresses and nothing.

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 explanation
Consumer complaint received 02-03-2016 about Debt collection (Medical) with Ray Klein, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to XXXX XXXX once. I paid a fee on the day of the appointment. The office was suppose to bill my insurance company. The office did not bill the insurance, and sent my account to collections. I notified the collection agency that my account should have been billed to XXXX. XXXX XXXX finally filed my claim. I owed an outstanding balance, which I quickly paid. However, I refused to pay the late fee. I wrote in my letter that I would make payment in full less the late fee. I wrote that the check enclosed would constitute payment in full. The collection agency accepted the payment but billed me again for a late fee, and the late fee had increased. I wrote them back again explaining that the late fee was not my fault, XXXX XXXX failed to file the claim. The collection agency sent the late fee claim to the credit bureau and my credit score has decreased.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed