milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with COAST PROFESSIONAL INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone applied for a pell grant in my name and social but at a different address and with my first name misspelled. They defaulted on the Pell grant but collected the money that was sent to their address. I was contacted by the Department of Education saying that I owed this money. I told them that I did not sign for this grant and did not attend XXXX XXXX College, this was not my debt. I had already gotten my XXXX degree 15 years ago. They started to garnish my wages anyways. I filled Police Reports, FTC Complaints, Notified the Credit Reporting Agencies and Placed Extended Fraud Alerts, Disputed Information, Notified the Department of Education, the College, and the Collection Agency and Filed Paperwork with the Department of Education. The Department of Education has rejected my claims and said that this is my debt and continues to garnish my wages. They said that they will not stop unless I get a court judgement. I can not get a court judgement when I do not know who the person is that stole my identity. I have called several places but every where is a dead end, no one can seem to help me. Every one says that if it was a student loan then it would be a different story and then they could help me, but since it is a Federal Pell grant, there is nothing that they can do. The Department of Education is Rude and MEAN to me, they treat me like a criminal and will not offer me any help. I am not the criminal, I am the VICTIM. I need help. I need to know how to stop the garnishment, get my money back, and clear my name. Please help 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 06-03-2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: TD bank placed XXXX inquiries on my XXXX credit report. This has caused my credit score to be lowered. They need to do soft inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The loan was obtained under false pretenses that if I made 9 monthly payments I would have the option to get the payment lowered. However after making t hat 9th payment   Wells Fargo co ntinued to mis-represent their product that they sold me. I was given false representation on this product in order to make a sale. I was told I have no other option other than to get my credit pulled and refinance the loan as a whole.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAN Distributing, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account showing in collections/charge off for XXXX $ from a company called XXXX XXXX. They have a phone number listed on the credit report as XXXX. This number is out of service and the recorded message states this is a mobile number and the mobile number you have dialed is no longer in service. It also lists an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have sent numerous debt validation letters and general letters asking for any documentation and no response is ever returned. 

First off, I do n't have anything knowledge of opening such an account. I do not know what it is nor can I get any information on this. I have set 3 debt validation letters with return receipt and receive no answer back. 

I have disputed this over and over, numerous times over the past 2 years and with no luck. Each month the balance goes up by about 27 to 35 . I have reported this account as fraud and ca n't find any information on it. I have never received any correspondence or phone calls from any company or collection company claiming to have this account placed for collection. 

This account has been on my credit report since XXXX with an initial balance of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was aroun d 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by remov ing it ( only t hey added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX of XXXX Car Dealer XXXX, MD XXXX XXXX XXXX XXXX. The amount borrowed was approximately XXXX. I had an excellent credit score when I entered the door. They told me they dealt with XXXX and would acquire the loan there. I told them I was going to check with my credit union and would probably get a better rate, which I did. XXXX was paid off with my new loan. I made a point of telling them I did n't want a lot of inquiries on my credit. I pulled up XXXX XXXX and found that my credit rating has been affected by the amount of Hard Inquiries they made. Is there anything that can be done about this? 

Inquiry details Wfds Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from 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 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was sold to Ditech approximately 12 months ago. Ever since Ditech has received my mortgage it has been a nightmare. I 'm bombarded with invoices once maybe twice a week. Before I am even delinquent there are phone calls and more mailings about getting current. I have had and currently have mortgages with other companies and have never experienced such a confusing and negative experience on an on-going basis before EVER. Unfortunately this is not just a one time event but reoccurring every month. If I do n't look carefully at my invoices and question the charges I would be paying many unnecessary fees. Again something I 've never experienced before with any other mortgage company. I believe Ditech intentionally makes their billing statements confusing to decipher and frightens people by threatening to foreclose on their mortgages when their mortgages are not in foreclosure status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Good day. I am making my mortgage payments to PennyMac USA, I still continue to receive letters from PennyMac stating that my mortgage is in default. Each time I call customer service, they repeat that my mortgage is in default and I continue to deny the claims. I have provided all of my payments and have even paid over the amount that I needed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXXXXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.

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 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On or just before XXXX/XXXX/2015 after reviewing my credit report on XXXX I disputed a judgement that was filed in error by the Georgia XXXX XXXX XXXX at the XXXX County Superior Court with Transunion. I reported to them that the information never went to judgement and was filed in error. However, after receiving my dispute letter they stated the item I dispute is frivolous and they will not reinvestigated unless I had court papers or a authentic letter that explains what information should be updated. On XXXX/XXXX/2015, I called and spoke to a representative who stated they would take this information off of my credit report unless I provided documentation of this being placed on my report in error. I then explained to her that the Ga XXXX specifically states on their website that they do not report to credit agencies and they will not provide information to them. Therefore based on these facts I ca n't get them to remove this incorrect information from my credit report. I also explained to the person I spoke with at Transunion and told her that I have a copy of my email correspondence with the auditor at the Ga XXXX which specifically states that the lein was filed in error and I was told that they would not investigate unless I get the information from the state Of Georgia which they will not get involved in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was released on XXXX bond was not required. My family did not know that I was going to be released on XXXX They went to XXXX .the night I was released scared and not knowing what was going on and that my paperwork when I was released said OR. 
The Judge told me to have XXXX call him that I did not owe them. I then went to XXXX told them what the judge said. They just ignore me. I then went to judge he said I was not obligated to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with PAYPAL HOLDINGS INC. (AK).
Issue: APR or interest rate

Complaint: This letter is to file a complaint with PayPal as well as the Consumer Financial Protection Bureau concerning PayPal 's policy of allocating refunds on purchases to the general balance instead of applying directly to the cancelled charge. 

This has happened to my account twice in the last two months. The first incident was on my statement of XXXX/XXXX/16 for a charge of {$210.00} to XXXX on XXXX/XXXX/16 that was refunded on XXXX/XXXX/16 by XXXX for {$210.00}. In this instance I was charged {$22.00} in interest on an amount that had been refunded. I would like that {$22.00} refunded as a credit on my account. Note that for some reason the charge is shown as {$210.00} on my Statement, but online it is correctly shown as {$210.00} for both the charge and the refund. 

The second incident was on my statement of XXXX/XXXX/16 for a charge of {$230.00} to XXXX on XXXX/XXXX/16 that was immediately refunded that same day by XXXX for {$230.00}. In this instance I was charged {$26.00} in interest on an amount that had been refunded. I would like that {$26.00} refunded as a credit on my account. 

Please note that I 've already scheduled a payment of {$620.00} for XXXX/XXXX/16 which will alleviate any interest charges as noted on my Statement of XXXX/XXXX/16. Of that amount paid, {$340.00} was a charge from XXXX from a charge on XXXX/XXXX/16 which was refunded three days later on XXXX/XXXX/16 in XXXX amounts of {$110.00} for a total of {$340.00}. The application of a refund amount to the overall balance is confusing to the client and I believe to be a dishonest and unlawful practice. I believe that when a refund is made on a specific order or payment that it should be credited to that order or payment. What PayPal is doing is deceitful and that is why I have sent a copy of this letter along with the statements and listing of charges to the Consumer Financial Protection Bureau as a formal complaint against PayPal. 

I hereby request that you refund a total of {$49.00} in alleged interest charges and case and desist this despicable practice of charging interest on refunded amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a modification from my old lender XXXX XXXX XXXX since XXXX XXXX when my loan defaulted because of past due property taxes. We believed that when he got our XXXX loan that the taxes was impounded. Once XXXX took over the loan and the 5 year statute passed for past due property taxes ; XXXX XXXX XXXX sent us a letter advising us that we was {$60000.00}. in debt for property taxes. Our payment went from {$3400.00} to {$10000.00}. We tried to ask XXXX to help us but they only tried to adjust the escrow which dropped the payments to about {$8500.00} which we still could not afford. We tried for three and a half years to get a modification with XXXX XXXX XXXX with no success. First they say we had too much income, then they said it was n't enough income. Lot 's of back and forth. Then in XXXX XXXX ; the sold the loan to US Bank, serviced by XXXX loan servicing. We have now been trying with no luck or success with them. They have denied the XXXX modification packets that was submitted in XXXX and the XXXX that was sent by our representative. We do n't know what to do and were afraid they will foreclose on our home. We tried to explain that we were part of the predatory lending from XXXX, but it appears that they do n't want to help us. Our loan is now XXXX years past due with lots of fees and costs. They are refusing to entertain any offers. They offered us a modification after they denied our request four times. Then started foreclosure proceedings on XXXX XXXX, XXXX ; right after they denied our appeal. One week after we resubmitted an appeal it was again denied and then on XXXX XXXX, XXXX they offered us a modification. The agreement was that we would have to come up with {$220000.00} in past due fees and costs. We would have a mortgage payment of {$8200.00}. We ca n't afford that. I believe they just offered us this so that we could show our inability to pay this agreed modification. No principal reduction, balance put to back of loan, no consideration for our income and expenses. I want someone to get involved because XXXX XXXX XXXX washed their hands of us and this new servicer ; is unwilling to help us. They only want to sell our house. We just want a fair offer. We asked for them if we could pay back {$100000.00} towards the default, provide us principal forgiveness in the amount of {$280000.00} ; to put the balance of our property taxes in the amount of {$24000.00} to the back of the loan and keep our payments roughly about {$5100.00}. They refused as well. We may have to file a lawsuit to stop them from selling our home. They are not following none of the guidelines that was set up in the us settlement lawsuit against the major banks. They are not trying to work with us at all. Can someone please help us with USBank and XXXX loan servicing. Time is of the essence and we are afraid that they will try to foreclose on us this month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have been contacting coinbase support now for a long period about 3 to 4 weeks now concerning my account TEMPORARY DISABLED. 

i got a reply from support few days ago to secure my account and email back which i did i secure my account and have been trying to get it activated cause i have about {$1900.00} worth bitcoin for certain trades but i cant get in my account cause its disabled temporary. 

CASE NUMBER - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Selene Finance LP took over my mortgage fom XXXX on behalf of the holders of the XXXX XXXX Loan Trust, Mortgage-backed notes, Series XXXX is the owner of the account, and sps is the mortgage servicer of the account, which gave it to Selene Finance, who put me under a Trial Modification Plan from XX/XX/2015 to XX/XX/2015, paying {$700.00}, plus an additional amount was previous the trial modification. Selene never offered an modification after the full amount of the Trial. I would like my money back since I was not given a modification. I gave money which I did not receive any financial help from selene, plus, they sold it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted. 

Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Non-federal student loan) with ACS Education Services (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent do not contact letter based on templates provided by CFPB in XXXX 2016. Received further written attempts to collect debt as of XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received an update credit report, no changes nor response to why.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Facts : 1. Kohls alleges that I owe {$250.00} on purchases made. 
2. I have had several conversations with Kohls representatives and sent many confirming documents. 
3. On XXXX XXXX, XXXX, I made an electronic payment of {$210.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. I have proof of Payment from my back and have provided it to Kohl 's. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
4. On XXXX XXXX, XXXX, I made an electronic payment of {$32.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. Attached as Exhibit B is a Proof of Payment document from XXXX XXXX. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
5. My payments were timely, have been received at Kohl 's payment center, and debited from my accounts. In a telephone telephone conversation, Kohl 's representative advised my husband, whom I authorized, that Kohls fees and interest would be credited and suspended while Kohls finds these funds and until my XXXX checking account receives credit for the two payments totaling {$240.00}. 
7. I have issued Stop Payments for the two payments received but not credited by Kohls. This stop payment action cost me {$50.00} and, presuming the bank can stop payment, I believe Kohls should reimburse me {$50.00} in the form of credit. 
8. Once my checking account shows a credit for the two checks totaling {$240.00}, I will immediately send Kohls payment in that same amount. 
9. Until the credit is received either by the stop payment or by your discovery of where the funds were deposited I demanded in a letter that no negative credit report be made.

Company response to consumer: Closed with explanation