milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 2 Issues : My loan was for attending the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. Approximately {$10000.00} per year was borrowed. It became clear to me about one year in that the XXXX was only concerned with taking my money, and had very little consideration for the quality of education it was offering. Classes were taught by local business folks with little or no experience as educators. Classes were often dismissed hours early. Everyone received an " A '' grade on every assignment, regardless of the quality of work submitted. In XX/XX/XXXX, I decided to suspend my " education '' because of the lack of value I was receiving -- I was already {$30000.00} in debt ; I did n't want to push it to {$40000.00}. 
Issue 2 : After I left XXXX, the real nightmare began. I was contacted soon after I left school to begin repaying my loans. I started to do so, but was having trouble making the payments they were demanding. I was told if I could n't make the payments, the servicer would garnish my wages at a XXXX % rate -- I thought this was a better way, because i would n't see the money, instead it would go straight to my balance. Not so. In XXXX year or more of garnishment, more than {$11000.00} was collected from me. NOT ONE CENT went to my loans or interest due ; instead, the servicer charged me penalties in exactly that amount, while at the same time reporting against my credit. My credit was ruined, and it remains ruined today. 
Now, after completing a " remedial '' program with FedLoan Servicing wherein I made 9 months worth of payments to get back to current status, FLS promised to remove the derogatory information from my credit. After completing the program, they refused to remove the derogatory information, and my credit is still ruined. 
I have no education, {$17000.00} in debt ( after working very hard to get to this point ), and a bottom-rung credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (RI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Diversified Consultants claiming that they are trying to collect a XXXX debt from a XXXX account. I never had XXXX so I know this could not be me. 

I received the letter on XXXX/XXXX/2016 and instantly sent out a debt verification letter, in response they just sent back a letter with a photocopied bill. The bill showed just the name XXXX XXXX and nothing else. There was no signed contract or pedigree information. There are several XXXX XXXX that live in my area and I know that this is not my account. At the bottom of the letter they responded back with it said " this is not an attempt to collect a debt ' I recently got a notification from the credit bureaus that Diversified Consultants has reported negative information to the credit bureaus on me. This is not right and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I made several attempts to obtain my credit report thru annual credit report.com but I was unable to get  XXXX  of my reports Experian and  XXXX . My conformation number for  XXXX  is  XXXX  report date was  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  address.  XXXX    XXXX   XXXX    XXXX   XXXX , CA  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 non-monetary relief
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Everbank, is purchasing hazard insurance and charging me for it, saying that they do not have evidence that I have my own hazard insurance. This property is a XXXX, and the XXXX has a master insurance policy, and I also have an additional hazard policy with XXXX. Everbank is aware of the XXXX policy, but beginning in 2015 they began charging me for a XXXX Master policy, saying they would refund the charge when I provided evidence that my XXXX has its own policy. I have submitted evidence of this insurance to them SEVERAL TIMES, but they continue to claim that I have not, saying its not the proper insurance coverage. Additionally, each time I speak with them about this they change the type of insurance that they claim is missing. First it was liability, then it was hazard, then fire, and most recently it is wind coverage. Despite several phone calls to Everbank over the past year, not only have the charges not been removed as promised, they are charging me again this year. I have never missed a payment, never been without insurance coverage, and I have complied with their requests to the best of my ability every time they have asked for information or proof of coverage. It should also be noted that Everbank was not a mortgage company that I chose to do business with. My original mortgage was sold to them without my knowledge or consent, and now they are charging me for things that I am already paying for, even though I have submitted proof to them several times. I have spent many hours trying to get this resolved to no avail, and every time I call them I have to start over with a new agent that tells me the same thing and does nothing to help resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: VIOLATED FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (AZ).
Issue: Settlement process and costs

Complaint: I am on a home loan of a home that I have not lived in since XXXX XXXX 2010. 
After my divorce which I am not liable for any loans taxes fees after the dissolution. 
PNC mortgage currently did a remodification on this property I was not a signer on this Nor do I live in this house. 
PNC Morgage based out of XXXX Ohio XXXX Loan # XXXX XXXX they refuse to take me off this loan all these years, I have had enough. 
This loan which is currently destroying my credit as XXXX XXXX has not paid his lease The past 2 months and still lives there .I also get harressed with phone calls from creditors as a result and it is Hendering me from success in many areas of my life. 
Please help me. 
Thank you, XXXX # XXXX is my personal call.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX ,  XXXX  continues to collect a debt well past t he seven year limit. Last payment was made to the original creditor almost ten y ears ago. They still contact me and refuse to remove from 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 06-02-2017 about Student loan (Private student loan) with AES/PHEAA (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed.  XXXX ,  XXXX , and American Education Services ( AES ) are all refusing to remove fraudulent information from my credit report after providing verification from   XXXX   that the tradelines were successfully removed from their report.  XXXX  and  XXXX  claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, AES, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid AES and never will. AES is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves AES engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. AES is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several AES employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT   XXXX    according to the original default date. Somehow AES managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also,  XXXX  is reporting that  XXXX  of the   XXXX    tradeline s is closed/paid in full and the remaining   XXXX   are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX ,  XXXX , and AES. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Fraud or scam

Complaint: To whom it may concern, My name is XXXX XXXX ( XXXX ) and I am writing in regards to an issue I have pending with a company called Coinbase ( A crypto currency investment platform ). 

In short, my account, which contained only cash at the time, has been emptied of approximately {$6700.00}. It appears to me as though the account was emptied, deleted and reopened using the same login credentials. I say this as my money, transaction history and all external account links have been deleted. The site makes it appear as though I just joined which is not the case. I have the original emails from Coinbase from when these ( now missing ) transactions had occurred. These transactions include, joining Coinbase, ID and photo verification, purchasing coins, and transferring some coin ( only the BTC ) out of Coinbase. 

The details : I joined Coinbase in XX/XX/XXXX. 
I funded Coinbase originally with {$5000.00} in XX/XX/XXXX. 
I bought XXXX ( XXXX ) Etherium ( ETH ). 
I bought XXXX ( XXXX ) litecoin ( LTC ). 
I bought ~XXXX Bitcoin ( BTC ). 
-All purchases in XX/XX/XXXX. 
I transferred the ~XXXX BTC into a different crypto wallet to execute trades not available within the Coinbase platform, but left the ETH and LTC in Coinbase . 
During this time I was monitoring Coinbase using their app. I had not logged into their site on my laptop for several months. 
On XX/XX/XXXX I sold all of my ( XXXX ) ETH and ( XXXX ) LTC via the Coinbase app resulting in ~ {$6700.00} being deposited into my Coinbase USD wallet as confirmed via the Coinbase app. I did not receive a confirmation email for this transaction from Coinbase although the money could be seen in the USD wallet on the Coinbase app. 
On XX/XX/XXXX I attempted to withdraw my money from Coinbase via their app and send it back to the institution I originally used to fund my Coinbase account ( XXXX XXXX ). The app indicated that I needed to login to the website to complete the transaction. When I logged into the Coinbase site using the same credentials, it began asking for new joiner type information as if I had just signed up ( not the case ). This is when I noticed that the USD wallet indicated a balance of {$0.00} and there was no transaction history to be found on this +6 month old account. 
At this moment, the app was still indicating the correct amount of money, {$6700.00} in my Coinbase USD wallet. 
Next, I logged out of the app and logged back in it. The app now matched the online site with {$0.00} balance, no bank links, and no transaction history. It appears as though I have been scammed. 

I have contacted Coinbase customer service to request their assistance but have not received a reply. I know this is not a huge sum, but it is a lot to me and it is mine. 

If there is anything that you could do to get Coinbase to look into my issue I would be extremely grateful. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Using a debit or ATM card

Complaint: I tried to deposit {$840.00} into an ATM machine near my school, however, ir sucked my money in. Then, instead of counting it, the machine ate my money and read error. I reported to the problem to the USBank, and they put {$840.00} temporary deposit into my account on XXXX/XXXX/2017. However, they reversed {$480.00} back on XXXX/XXXX/2017 and noticed me that they decided I only deposited {$360.00} into the ATM. 

I absolutely made a {$840.00} deposit into the ATM. I tried call them, and was transfered to over five person, no one actually helped me! The last one told me to go to the bank branch. When I went to the branch, the clerk and manager tried to transfer me to somewhere else by asking me to call the customer service. At last one manager assisted me to file another claim, and told me to expect the answer in 10 business days. However, three weeks passed and not a single notice has been given. 

With about five years use of USBank checking and saving account, I have never owed the bank for a single XXXX, but they tried to " steal '' {$480.00} from a student and leave me no reasonable explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX XXXX and Transunion are the violating companies.

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 06/27/2017 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Trouble during payment process

Complaint: They have been several occasions where Selene Finance was paid on time and they charged us with late fees. Their payment due dates are between XX/XX/XXXX XX/XX/XXXX, we were told that if they were paid within those date ranges we would not incur any late charges. We began paying them on XX/XX/XXXX after I got off from work and they would still charge a late fee. When I inquired about why we were receiving the late fee then they said that we had to pay by XXXX XXXX. The problem with that is their system is down from XXXX XXXX to XXXX XXXX which makes it difficult to comply with their rules. <P/>In addition to the above mentioned, we decided we would chose a different Home Owners Insurance from what we had when our Home Loan was first sold to Selene Finance because we would get a group discount. Without our consent Selene finance changed it back to the original HOI provider and once we inquired about why this was done we were told that they didnt know. We then asked them if they would switch it back to the provider of our choice and they told us that we could but we would have to pay it in full ourselves and they would reimburse us the money they paid. We have many more issues with Selene that they have yet to address. <P/>Thanks XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I, XXXX XXXX am submitting a complaint regarding my mortgage involving Select Portfolio Servicing , Inc due to breach/violation in my mortgage modification contact I signed in XXXX with XXXX XXXX XXXX, Attn : XXXX, FL XXXX on XXXX/XXXX/XXXX ( 2 YR contract XXXX - XXXX ) ; In my modification contract states " As of the modication effective date, a buyer or transferee of property will not be permitted, under any circumstances, be assigned to, or assumed by, a buyer of the property. '' This agreement has been violated several times. By Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX, division of XXXX XXXX XXXX XXXX, XXXX ; Also, Select Portfolio Servicing has excessively increase my mortgage interest rate since my mortgage modification contact has been completed. 
I have submitted my complaint twice via USPS on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with delivery confirmation # XXXX XXXX XXXX XXXX XXXX with approximately XXXX pages of supporting documents that was signed for and delivered XXXX XXXX/XXXX/XXXX XXXX Consumer Financial Protection Bureau at locations : XXXX, Iowa XXXX & XXXX and with the supporting documents. Please search for them. Note I never signed anything ( contract ) with any of these financial institutions but XXXX XXXX XXXX Also, as of XXXX/XXXX/XXXX Select Portfolio Servicing Inc has been trying to force me into signing my home my home over to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In 2009 I lost my job and was unable to make the payments on my private student loan which caused them to go into default. I am now currently employed and want to rehab my credit. These private loans are hurting my future plans. I contacted the servicer Navient which is the new servicer on my loans and they will not help with any repayment options on my defaulted loans. I want to know how can I get back in goodstanding and show that I want to get these loans out of default.

Company response to consumer: Closed with explanation