milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX began with FedLoans as my servicer. Contacted company multiple times to get information on when my monthly payment amount and qualifying payments would be determined. Was informed I needed to wait until XX/XX/XXXX to recertify unless I wanted my monthly payments to go up significantly.XX/XX/XXXX payment tracking began and my calculated qualifying payments were determined to be XXXX. This is half of what I have actually paid. FedLoans said I still had payments that were not figured into this and would be added in at a later date.
XX/XX/XXXX I began the recertification process to switch from IBR to REPAYE. The company gave me the option of paying a single payment on the standard repayment plan ( approximately {$3000.00} a month ) or a {$5.00} forbearance that also qualified. I paid the {$5.00} fee to recertify. A month later I received a bill for just under {$3000.00}.
XX/XX/XXXX I called the company back and they admitted they saw the {$5.00} I paid, but that it was never applied to anything. I again paid {$5.00} and was reassured that this time it would be done correctly and that the recertification would move forward. Almost two months later, I again received a bill for nearly {$3000.00} under the standard repayment plan which is not what I enrolled in.
on or around XX/XX/XXXX I called to find out why I was on the standard repayment plan. I was told that the XXXX $ forbearance request had never been processed and that it would now be processed. I was then told that I could not request another month of forbearance because it would ( somehow ) interfere with the processing of the {$5.00} fee. When I informed the representative I can not afford a {$3000.00} a month payment, she said not to worry because the credit agency is not notified of delinquency until 90 days of nonpayment. This to me is unacceptable.
During this entire period I have been accruing massive amounts of interest on my loans that capitalizes. Every time I call I get different information, and the person I talk to is quick to tell me that whoever I spoke with before had given me wrong information. I was also told it can take up to 90 days to process my recertification. I am now on month 5. All the while accruing about {$1000.00} in interest each month. I am on the verge of seeking legal action.
The purpose of doing this program was to have my loan balance forgiven after 10 years. With a monthly payment of almost {$3000.00}, I would have my entire balance paid in LESS than 10 years, so you can see that it makes NO SENSE to even switch to fedloans or do PSLF if I had the ability to make such payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Other bank product/service) with NEW YORK COMMUNITY BANK (NY).
Issue: Account opening, closing, or management

Complaint: I would like some one to explain the XXXX fee banks charge if you use more than XXXX electronic transfers in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Customer service / Customer relations

Complaint: I have a William-Sanoma Signiture Visa, it has been paid off for a few month and chose to use it at XXXX on the XXXX XXXX XXXX on XXXX and the decline a XXXX and change transaction. I called find out why and the rep could really figure it out,. I told then I did not need the card and he put me on hold for XXXX minutes and XXXX seconds. That is abusive and i believe they did it on purpose so I would hang up and not bother closing my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX, XXXX, I initiated a purchase of 10 Ethereum for {$1900.00} The website showed that the transaction has " COMPLETED '' and everything looks normal. The website still shows this transaction as " COMPLETED ''. 

On XXXX XXXX, XXXX, Coinbase deducted XXXX XXXX from my Coinbase account. 

I did not authorize this transfer. I authorized {$1900.00}, not XXXX BTC for the purchase of ETH. Please return my BTC and debit my bank account for this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Allied International Credit Corp., (US) (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Allied International Credit Corp I  received a letter on   XXXX   XXXX   stating that I owe a debt to  XXXX . The current amount due is stated at {$240.00}.   It says to   XXXX   XXXX   the money, or send them a money order. They provided a reference number and also a representatives name that is handling my case. However when I called it was not the female listed on the page. It was a foreign gentlemen who insisted that this was a legitimate company and that I have to pay them the money. I asked if they can even prove if this was my debt. First of all, it was sent to my house and address but the name was not my name it was my fiance 's name. Secondly they asked for my social security number which I did not give for obvious reasons. Third, the man threatened that my fi ances credit score would be affected by this. Fourth, I do not know of any  XXXX  debt He r or myself owe, as she ha s one   account with 1 feedbac k for an item that she purchased last year. Obviously there is no w ay one purchase of a  {$8.00} gift is somehow being mistaken for some {$240.00} debt. She paid for that gift with   XXXX   and everything went fine with positive feedback on both ends. She is worried and wants to pay the debt because of there threat that it will hurt  her credit score ( we are  applying for apartments and in the future will probably need a car loan ) I am however extremely skeptical as I believe a debt this large should come along with more than a letter just stating this amount is owed and pay them within 30 days. Should n't there be correspondence proving the debt is true? Should n't there be an attachment stating from the original company that in fact we do owe this amount for this reason and so on ...   I have no idea what to do, and I am also worried if this is legit if they will somehow be able to hurt he r credit score o r mine. I do n't know how they could but the threats that were made were pretty convincing. However my attempts for more details about what this was and proof that it was actual ly one of our d ebts were dodged and the person on the phone kept saying that I need to pay it within 30 days to avoid credit problems..

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There should only be one name and one address on my credit report : XXXX, XXXX Wisconsin XXXX. This is the only name and address that should be used on my 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 non-monetary relief
Consumer complaint received 04-02-2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (NH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I paid {$700.00} on my Wells Fargo credit card for a XXXX XXXX XXXX furniture purchase. 
I was told by the credit bureau that only {$400.00} was applied to the principal. When I contact the company, they tell me all {$700.00} was applied to the principal, but the balance due, statement, and credit bureaus tell a different story. This was not applied correctly, and they are not even acknowledging an error occurred. This seems very deceptive and illegal.

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 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit reporting agency selected someone with my same name that was involved in XXXX court cases. I lived at the same apartment complex but in a different apartment XXXX. Confirms with attorney 's office and court clerk this was a different person. I need this off of my report! Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan modification,collection,foreclosure

Complaint: This is my THIRD attempt in getting my money back from Wells Fargo. The first time I filed a complaint, Wells Fargo responded by stating that they would return my mortgage payments that they accepted although my home was in a " foreclosure '' status. 
I had fallen behind on my mortgage payments and was in the process of doing a loan modification when my home went into foreclosure. By this time, I had set up an allotment out of my military pay for the monthly mortgage amount. I paid nearly {$10000.00} in mortgage payments after being told that the payments were not being applied, but instead were being put in a separate account and they would either a. be returned to me if we were not approved for a loan modification or b. would go toward the mortgage once approved. After all was said and done, Wells Fargo took my home and my money. I was denied for mortgage assistance, the appeal was denied, and I ended up having to short sale. I was advised that I would receive location money, but I did n't get that either. It turns out that Wells Fargo was applying the payments, although my home was in foreclosure status and they have specifically stated that they COULD NOT do that. I have a written document where they told me that they were going to return the money, and still nothing. I would like for my mortgage payments to be returned immediately. 
The original response that Wells Fargo gave in regard to returning my money was that they never said that. However, it is annotated by Wells Fargo as a response to my previous CFPB complaint. Wells Fargo states ( see attachment ) : " We have provided information regarding the previous payment assistance review, confirmed that the military payments made after the loan was referred to foreclosure will be returned to the remitter and initiated a new review for payment assistance. '' The denied my appeal XXXX payment assistance review ) and only returned XXXX payment. This is the bulk of my current complaint, but I feel that I must mention how long this process was drug out and that I was traded to a different " home loan specialist '' at least XXXX or four times and had to start the process over each 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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX I submitted an online dispute to Experian because a collection popped on my credit report from XXXX, a collection agency due to inaccurate information and medicredit failed to submit to me a validation of the debt. Within 8 days Experian results came back as the account will remain. So I called Experian and spoke with a special solutions rep by the name of XXXX and he stated that they electronically processed the dispute and XXXX responded by saying it was valid. I asked XXXX did they send them any documentation and XXXX stated that they do n't have to have documentation the creditor just reply either the debt is valid or not. I told XXXX that was not correct they have to send validation of the debt because that 's pretty much saying anyone can lie and say the debt is valid. XXXX said NO they reporting the account correctly. SO XXXX XXXX, I sent Experian a certified letter asking for a METHOD OF VERIFICATION that they used to validate my debt along with my Id and social security card because I have a right to request how the debt was validated with Experian ON XXXX XXXX I received a notification stating my results were ready, the account still remains on my credit report. Experian did not send me anything if my credit file to show proof of their investigation or what records they have in my file containing this debt. FCRA 611 ( a ) states I have a right to contact the credit agencies with the proper identification and request a reinvestigation to determine if the disputed information is accurate. Experian did not do that, I requested a description of the procedure used to determine the accuracy and completeness of the information and did not receive what I requested. Experian is violation of my fair credit reporting rights and something need to be done and addressed about it. XXXX and XXXX deleted the account due to the company failure to provide accurate information but Experian did not. So are they saying they are the only ones who received accurate information from XXXX? And if so where is the accurate information and why did n't they send it to me.

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 10-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 I seen on my credit report that accounts and inquiries was deleted only to login in today and seen that it was reinstated I did n't receive any information about it being reinstated and it effected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage restructure though BofA because of the federal DOJ restructure order because BofA got convicted of Mortgage fraud. One of the conditions of that is that the house must be lived in by a select group of people ( me ) and the house is not habitable due to extreme mold/water damage. The bank has made offers of programs and then not followed through and when I try to contact them, they transfer me to every department and I spend hours on the phone each time. The offers where to 1. use the special hazardous claims department to up to the amount of the principle on the mortgage to either pay off the loan or to use that funding to replace/fix the home. 2. to pay for the home to be fixed/replaced and put the amount at the end of the loan at the DOJ restructure payment amount and principle amount ( extend the loan time frame ). they were suppose to have a mediator contact me again on XX/XX/XXXX ... they have once again missed their scheduled time frame and when I try to call them they do n't return my calls ... this type of behavior I call them they transfer me all around to people that have no clue and then make appointments they do n't keep, they schedule call times and do n't keep them so I end up waiting all day for them to call, I call them after they miss their scheduled appointments has been going on for years. At this point instead of dealing with what they agreed to do they have instead turned the account over to foreclosure and have stopped contacting me even when they make the appointments for them to call me. I am trying to work with them. I have filed a DOJ complaint but even that, the Bank makes appointments ( XX/XX/XXXX ) and does not keep them and when I try to call and leave messages for them they do n't call me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sprechman & Associates, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Sprechman & XXXX has made another attempt to collect on a disputed, non-validated personal alleged debt. I have repeatedly requested that they validate the alleged debt. Their reply is that it is a commercial debt, and therefore it is not necessary to validate the debt. This alleged debt was to protect my personal property rights for my primary residence. I did not engage the original law firm ( XXXX and XXXX ) to set up a bed and breakfast. I had a contract to sell my property but because it was proposed that this right would be taken away in my XXXX XXXX XXXX, the sellers canceled the contract. This was for the sale of my personal residence. Had XXXX and XXXX been successful in defending my personal property rights, then I would have been able to sell my primary residence. 

In the Fair Debt Collection Practices Act, Section 803. Definitions. ( 5 ) " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgement. '' Hiring a law firm to protect the sale of my personal household is practically the verbatim definition listed in this Section of the FDCPA. And Sprechman & XXXX 's refusal to validate the disputed alleged debt is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I transferred approximately $4800 worth of BTC to my Coinbase account from XXXX. I received messages on both ends that the transfer was successful. Then when I checked my Coinbase account, the money was not there. I called and complain with sheer panic that the money had just vanished. They informed me that somehow the money had been transferred to XXXX, and sure enough when I checked there was money there. So I proceded to try to withdrawal the full amount, and it showed an error stating that was an error withdrawing from XXXX and that I should transfer to Coinbase in order to withdrawal. So I did that, but then then things got even weirder. I couldn't convert my BTC to USD at all in order to perform the withdrawal. So for days my money was stuck as BTC which was steadily dropping. Finally I called again, and the lady said she had no idea what happened and had to make a ticket for an advanced technician to investigate the matter. The next day I had $XXXX  even in my USD wallet. I was again so excited that the nightmare was over, but when I went to withdrawal the money, it said that I owed $XXXX still. I didn't understand at all how I could owe any money let alone $XXXX, especially while I had XXXX  already in the account. It gave me 4 ways to pay, my credit card, 2 of my wifes credit cards, or I could subtract it from my XXXX USD wallet. Anyway I tried every method, now it says I owe 0 dollars, but I can't withdrawl still because it says I owe 0 dollars. HELP ME PLEASE!! I think they stole my money, or got hack and are trying to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with Advantage Financial Service LLC (Idaho) (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am going to be mailing in a complaint about Advantage Financial Services, a collection company in XXXX, ID. They have in the past tried to collect medical bills from my wife and minor daughter. They also violated other parts of the FDCPA. I have discribed each violation and will including all the and supporting documents. What am looking at now is robo-signing by Advantage Financial and their attorney has to know what they are doing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Credit Systems International, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation