milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I obtained a copy of my credit report and noticed this negitive account that is not mine. I never done and business with a company named XXXX. 

Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe : Provide me with signed copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

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 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a dispute with transunion over an alleged debt from XXXX XXXX that came back as " verified ''. This is a screenshot of the results. But how can an account be closed on XXXX/XXXX/XXXX yet the last supposed payment was on 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 10/25/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CO).
Issue: Closing on a mortgage

Complaint: Requested payoff on XXXX/XXXX/XXXX for the sale of a property due to close XXXX/XXXX/XXXX. Sent borrowers authorization, which is a Personal Representative for seller who is XXXX. The personal representative also completed forms for the payoff, ( all will be attached ). When our processor followed up all on XXXX, XXXX and XXXX/XXXX/XXXX for payoff, each time was told they have never received our authorization to speak with them, each time was re-sent. When we would call to confirm if they received, was always told we can not talk to you on this account, as we have not received third party authorization. The servicing company, Fay Servicing, has been holding us up and stopping us from getting property closed. When we contacted the representative today, XXXX was told now the account is being audited, and they can not tell us when we will receive payoff. Contact for Fay Servicing is XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Medical) with Alorica Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a billing statement from XXXX XXXX on XXXX XXXX XXXX. This statement was dated XXXX XXXX XXXX, and was for the amount of {$100.00}. The due date was XXXX XXXX XXXX. The statement shows the amount, {$100.00} as 0-60 Days, Current. Not past due, not Delinquent, but Current. I paid this bill, check # XXXX, XXXX XXXX XXXX in the amount owed, {$100.00}. I needed to verify what the amounts were for, as XXXX has fraudulently billed my insurance carrier ( XXXX ) for a humidifier that I never had. Unfortunately, XXXX had already paid them {$150.00} before I found out and put a stop to it. Once I was able to verify that the amounts were for my XXXX machine, I paid the invoice. I received a letter from Global Receivables Solutions , Inc. dated XXXX XXXX XXXX saying my account was assigned to them for collection. They claim the collection is for the invoice which I had just paid, that was n't even past due.

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

Complaint: On XXXX-2018 my Bank sent a wire transfer of {$800.00} to Coinbase and they keep assuring me I will get the money back, but I still have not received it. It has been 19 days now. Their complaint support email asked for the XXXX tracking number from the bank transfer which I did send them. It is not possible to contact them by phone and their emails just keep saying the same thing, that they are busy and will get back to you. I just want my money back and will never do business with them again. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A third party company called me and lied. A representative named XXXX XXXX from FirstFedloan.org, or Equitable Acceptance, said that he was from the Department of Education, and that he was going to help me resolve my student loan debt. 

He is NOT from the Department of Education, and instead of directing me to them, he posed as them and collected money from me. He is still collecting money from me. 

When I called to the Department of Education, they informed me that I was scammed. They said that this third party did not use my e-mail to create an account, but used an e-mail ending in " XXXX. '' This e-mail does not even exist. This fake e-mail was to prevent me from receiving communication to let me know the scam that was being done to me. 

XXXX XXXX posed as me, stole my identity, collected my social, and proceeded to create a Federal Student Loan ID and XXXX XXXX ID without my permission. 

He also set up a direct deposit with my bank to his company. 

When I called to Equitable Acceptance to complain, they said XXXX XXXX got promoted and could not speak to me. 

They also used the analogy that they are like a dentist - - they know the customers need dental work, but can not do it themselves, so they do the work for customers. 

This is a complete lie. The Department of Education has people and processes in place to do this line of work. 

XXXX XXXX, Equitable Acceptance, firstfedloan.org, are criminally and unecessarlity taking money from people and creating accounts with personal information in order to fatten their wallets. 

Please - - they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Attention : XXXX XXXX Dear XXXX, I have contacted you about this matter recently and I disagree with you declining that this inquiry is mine first of all. I wo n't allow you to accuse me of something on my credit file and I told you i am not aware of it. Prove the verification process and the proper protocol you took please. This is my final attempt to send you this goodwill letter to remove the inquiry immediately or your company will pay the consequences when I contact my lawyer so we can take immediate legal actions for accusing me. Under FCRA the consumer has the right to dispute information that does n't belong to him or her. You ca n't tell me it 's mine and I 'm disputing it. I was recently affected by the XXXX XXXX XXXX and my information was also leaked and someone used my identity.

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 07/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Closing on a mortgage

Complaint: My problem started in XX/XX/XXXX even though I did n't know that. At this time, I purchased a property through Wells Fargo Home Mortgage. I felt something at the time but I shrugged it off because I was so happy to get something under my name. But as time goes on I keep on digging for information and things could n't make sense to me. I got very depressed. I literally pulling my hair over my head to contain my frustration. I was crying, my body was falling apart. I finally opened up to a good friend of mine whom referred me to make an official complaint through CFPB because I would n't be able to pay the legal fees. That is why I started making complaints to CFPB since XX/XX/XXXX, years after my struggle. I have never got a deed of the property until years after I bought the property and while I have never defaulted on my loan. I thought my pain was finally over when the deed got recorded. Think again! The mortgage satisfaction was not registered and the seller 's bank which has never got their money scheduled a foreclosure. Investors kept calling me day and night. I was literally pulling my hair over my head, I was crying and my body was falling apart. I had to hire a lawyer because Wells Fargo did n't believe me and was very reluctant to help me. I recalled that one of the reps told me to have my lawyer send them information because they could n't reach the seller 's bank. I had several reps on the case and the treatment was very harsh at times. XXXX XXXX was very mean and insulting. XXXX was cold and dismissive. I finally got XXXX XXXX whom I have to acknowledge did her best in this process. Now I have an issue : the water bill. It was never paid because I have never got one and as you can see it is still on the seller 's name even when I went to DEP to change the name. There will be a lien on the property if not paid as soon as possible. I did mention that to Wells Fargo and as usual it takes an eternity for them to reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I check my credit and found a collection from DEBT RECOVERY SOLUTION. They had never sent me a validation letter or anything and put it on my credit.

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 05-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (OH).
Issue: Fraud or scam

Complaint: Reference to  CFP B Complaint No.   XXXX . Complaint was closed with the comment : Pursuant to User Agreement, you must open a Dispute within 45 days after the date of payment. Your  Buyer Dispute  was initiated 123 days after payment, therefore was ineligible for this protection.     Payment was made thr ough Paypal , Inc ( Pa ymen t Services ) . In the payment receipt fro m Paypal it was mentioned as " Need to file a dispute : If you have a problem with this payment to someone in   another country, you have up to 180 days to file the dispute. '' So this complaint has to be opened again a  nd Paypal must refund the fraud transaction. See attached receipt from Paypal.
I tried to contact Paypal that time against this fraud but they say some reason and did not move forward to register my complaint. Simp  ly wasted my time.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 identity has been compromised or stolen. I filed a police report and notified XXXX XXXX and Trans Union.
I feel that they are not taking the matter very seriously at all.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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: I received a copy of my credit reports and see that Capital One is reporting that {$470.00} and {$420.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Capital One. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX

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 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan with Navient that was orginated in XXXX. I graduated in XXXX XXXX and before I graduated I began receiving calls from Navient. Since then, Navient call everyday at least 2-3 times a day to both myself and parents trying to collect. I have made Navient aware of my financial situation and even after finding out that my parents and I only have {$45.00} of disposable in between the XXXX of us and still would not accept any payments lower than {$390.00}. They also keep suggesting that I enter into forbearance and pay {$150.00} for 3 months but wo n't accept {$150.00} for payment. I have already used 6 months of forbearance and will only have 6 months left for the lifetime of my loan. Is there any IBRP available for private loans with Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with PULTE MORTGAGE L.L.C. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was applying for a mortgage with Pulte Mortgage since they were building my house. We first got in contact with Pulte Mortgage on XX/XX/XXXX. They ended up giving me my loan estimate. The loan estimate that I received was ok, but as with all mortgages you usually want to get multiple estimates so you can see if your getting the best deal. So I did n't get with the other lender till XX/XX/XXXX, which I had told pulte mortgage that I would be doing that, which is why I did n't get them anymore documents or respond to any additional communications at that time because I wanted to make sure I 'm getting the best deal for my money. I had decided to go with my other lender and they had requested title. I was under the impression that Pulte had canceled my loan because the loan processor had requested it since I was n't giving them my documents. Well on XX/XX/XXXX, I get communication from my loan consultant and says please look at this deal. I do n't know why they would send me another deal, which was it better? Yes it was, but it came out of nowhere. I think it was triggered due to tile request from the lender I was wanting to use and I never had sent them my other proposal. So when I opened up the new offer, it was brought to my attention that they ended up deleting a lot of the fees that were on my proposal from the start and was n't in the lender credit area where you would see adjustments from your lender if they decided to give you additional discounts towards your deals to offset other proposals. Well I called my loan consultant and he told me that every deal is different for each potential deal. Which for lending its not supposed to be that way, where companies can just go in and switch up fees for some people and not others. I was not happy to hear about that even thought it gave me a great deal. So apparently those fees were erroneous and they were just trying to take a bad mortgage. I 'm all about equality when it comes to lending especially with me working in the financial industry and knowing you have to treat all customers with the same expectations and fees.

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 09-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After successfully completing a 3 month trial modification which took the lender 6 months to get initiated, the lender did not follow through on providing the final modification document until 4 months after the 3 month trial was completed. During that 4 month period, I was told I could n't not make any more payments. When they finally provided me with the final modification document, I was told I had to make a lump sum payment for the 4 month period before the modification could be finalized. I made the payment and mailed the documentation. My certified check was returned and I sent it back. The lender denied the modification because they stated they did n't receive the payment or documentation. Subsequently, they acknowledged receiving the payment but not the documentation. They said I would have to start the modification process that took a year all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (SD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried to respond to the complaint  XXXX  and was unable to so I had to file a new report. I am tired of Citibank bullying me. I am going on  XXXX  and have had to go to the doctor 's several times with  XXXX   XXXX   XXXX  and   XXXX   XXXX   because I am so   XXXX    over the reporting between  Citibank a nd   XXXX   XXXX   for identitiy fraud on my account. I spoke to someone who was understanding about this a couple years ago and then I get this new person who refuses to remove the false reporting on my profile. I have filed a police report, went to identity FTC and I have also went through your company CRFPB to try to stop this false reporting. I read the letter where  XXXX   XXXX  of the  Fraud d epartment accuses me of using the money to benefit me and put it into my bank account. I have asked this guy to provide me with the bank account because I have only had  XXXX  bank accounts in the last 20 years and a savings account and ira. I have NEVER had a   XXXX   XXXX   account in over 20 years so this is not my dealings. You said I said something about my son in law, I never said my son in law had anything to do with this because he was a victim of identity theft as well. I am tired of this mess and I did n't want to spend the  XXXX  on an attorney that I couldhave paid for this account but because I did not do this and it is a matter of principal,  I will retain an attorney I am also contacting the main CITIBANK and reporting this man who is accusing me of lying and benefiting and stealing from Citibank. I am done with this now. I thought that CFPB would  not close the case and was on the side of the consumer, well, trust me, I will prove that I am not the one who authorized this account at all. This account was made when I was in  XXXX   XXXX  and I am not responsible for it. There were many people that should have not been in my household and around my neighbor 's house in  XXXX . Yes, I lived in  XXXX  before this but I did not start Citibank account or  XXXX  or a  XXXX  account. I am demanding by right, the proof that you have on the bank account that I " benefited '' from immediately. If it is found that anyone in my family was responsible, they should be held liable or responsible NOT  Myself.

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 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Signed up for Wells Fargo XXXX XXXX XXXX because was told would get {$200.00} back if I charged {$1000.00} in 3 months. This was over 3 months ago and I charged more than {$1000.00}.

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