milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Debt collection (Federal student loan debt) with ACS Education Services (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I contacted Studoc ( formally known as student document assistance program ) prep to get help with my student loans and they gave me false information. They wanted my personal information, which I gave them, they also wanted me to pay up front of XXXX dollars ( I paid them on X/XX/2017, X/XX/2017 and X/X/2017 with the payment of {$290.00} ) without the promise of any written details, and told me I qualify for public service loan forgiveness ( The prep told me it is called Obama student loan forgiveness program, which I found out there is no such program exist and it was false advertise ) Right now it is XX/XX/XXXX, 2017 and they are still asking me for more information and fill out more document, and at this point I requested that I would like to cancel my service and get my money back but the company prep are being avoidance of my request. They kept saying it is almost compelete and want me to wait but I been dealt with this incident since XX/XX/XXXX, 2017.
<P/>The last time I contacted them was on XX/XX/XXXX, 2017. The prep wants me to put another forbearance for 3 months and told me that they tried to contact me in XX/XX/XXXX, and in XX/XX/XXXX but can not give me the date when they called. They tried to put the cause of delaying the process on me but when I asked the date and the time they called, the prep can not provided the information. I kept all the email that I got from the company if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Can't contact lender

Complaint: I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Letter to complain. 


Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area. 
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (OR).
Issue: Money was not available when promised

Complaint: Coinbase, Inc ( www.coinbase.com, XXXX ) clearly states that the incoming wire transfer takes 2-3 business days to get credited. After 4 business days, contacted Coinbase support but no help from Coinbase. Today marks the 8th day and the wire transfer amount has not been credited to my account yet. Tried to contact the support by email, and XXXX but no response at all. Here is the timeline : *Amount Transferred : $ XXXX *Date Initiated : XX/XX/XXXX* *Date Completed Wire Transfer from XXXX XXXX : XX/XX/XXXX* *Name of Sending Bank : XXXX XXXX XXXX XXXX XXXX *Personal Name : XXXX XXXX *XXXX Number : XXXX *Case Opened : XX/XX/XXXX* *Coinbase Case Number : XXXX Waiting to get helped in this matter. Never ever going to use coinbase again. This has been a shear frustration!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Transunion apparently had a security glitch. I contacted them in reference to inquiries on my account that were not mine and they told me I was not affected by the glitch ; even though they never brought it up to me first, I had to tell them I knew about it. They put me on hold to see if I was affected ; which I already knew I was but the agent told me I was n't. I have XXXX inquiries that should be on my transunion, equifax, and experian reports ; no more and no less. I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

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 12-02-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Millco Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After graduating from a four year college, my students loans with Sallie Mae were deferred for 6 months. After the deferment ended, I was told over the phone with a Sallie Mae representative that if I could not afford my payment I should put my loan into forbearance. I had not yet paid any of my loan at that point, and did not know I could make smaller payments that would not affect me as seriously. I put my loan into forbearance 3 times following that conversation, until I realized what a huge effect it had on my interest. I am now in debt more than ever and feel like I will never get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (KY).
Issue: Managing the loan or lease

Complaint: Got a Discover Personal Loan XXXX, 2016. Said the rate was between 7.5 % - 19.99 %. They were never actually going to give me a decent rate, even though my FICO was XXXX. Told me the only way to get a better rate was to have my account debited automatically. Got a 16.99 % rate. Told me there were no processing fees, but examining the loan, I realized there were fees. They added up to over {$700.00} over the life of the loan. So they reduced my rate to 16.96 %. I paid an extra {$1000.00} in XXXX and again in XXXX. Even though I have made these extra payments, they continue to state that my loan will only be shortened by a few months. They say that the loan is a simple interest loan, but when I do my loan online - XXXX, etc. more of my money goes to principle than it does with Discover. I just got my XXXX bill, for XXXX, and I am being charged {$10.00} more in interest, than I was on My XXXX bill which was for XXXX. XXXX and XXXX have the same number of days in the month. I also pay {$27.00} more than what 's due each month. I am very suspicious of this company 's loan manipulations. I know they just been in trouble over their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Just the beginning of this year I have received numerous emails from Great Lakes about my student loan is due. I have emailed them and called them letting them know I am still in school and have been since XXXX. Just today, XXXX XXXX, XXXX I received a letter stating my my forbearance has been approved and payments will start up again in XXXX. I have had this problem with them every year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I purchased my current house through XXXX Mortgage INC. I put down 25 % down payment on my house ( That 's why I paid ESCROW by myself and I have all the tax payment receipts ). In XX/XX/XXXX, XXXX sold the mortgage to the PennyMac, On XX/XX/XXXX, PennyMac send me an notice that I have been shortage on my ESCROW account for {$5200.00}. My complaint is why do I have to pay the shortage account to the PennyMac when I pay all the tax by myself?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: I have a credit card with Chase Bank. I am paying off the balance I have accumulated and can not change the amount of my monthly Automatic Payments. Neither the XXXX customer service representatives, nor the Online Banking, allows me to adjust my monthly payment. I am locked in at a low-level payment called a " Blueprint Payment '' that does not allow me to choose my payment amount. Instead, their computer chooses my amount. I think it is this way so that the company can make more money on interest payments against my balance. As far as I 'm concerned this practice is fraud, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: I was talking to Citi representative today, whose name is XXXX, about my credit card Citi bank. I was actually thinking about closing this account. But the XXXX told me the benefits of the account and informed me that the account has no annual fee. So, I changed my mind and decide to leave the account open. I clearly told the representative, who is XXXX, " I will leave the account open ''. What 's more, XXXX Said '' Okay, I will keep this account open and thank you for continuing business with Citi '' Nicely, I hang up my phone. Ironically, I immediately got an email from Citi, telling me that my account is closed. I mean, seriously, this is how Citi bank trick its customers??? This is unbelievable.

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 01-02-2017 about Payday loan () with NCB MANAGEMENT SERVICES INC (VA).
Issue: Payment to acct not credited

Complaint: I borrowed {$1500.00} from XXXX ( an online payday loan company ) and they deducted {$360.00} from my checking account ( account statements enclosed ). However, now another company called Management Services Incorporated has put the loan in collections on behalf of XXXX. for the full amount. They have not credited any of the money that I paid them and payday loans/lines of credit are illegal in Virginia. I did, however, write them a letter, forcing them to refrain from deducting the money from my checking account XX/XX/XXXX ( this has also been enclosed with this complaint ). They have also listed this as a debt that is in collections on my credit report, which is of course having a negative impact on my credit. I am not reneging on paying the loan back, I just know that since this is illegal, this needs to be removed from my credit reports on all XXXX bureaus immediately. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I previously disputed santander credit reporting with Equifax and received verification results that the account was verified as mine. It stated in the response that historical account information was deleted however it was never done. I was never 90 days late and that invalid derogatory information is harming my credit integrity. After I was notified of the removal of the historical account information it wss continuously reported on my credit as 90 days and I was never 90 days late. Now this account shows 14 90 day lates and I need ever had 1 reporting after the repossession all the way until I paid the account of in XXXX 2016. XXXX repossessed the vehicle at 85 days so that was n't ever 90 days. This invaild reporting is harmful and causes me to be denied for credit and to be given unfair interest rates due to the excessive late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (FL).
Issue: Settlement process and costs

Complaint: Servicer will not record loan modification documents with county clerk. Documents were executed on XXXX/XXXX/2015. I have told many times by the servicer the documents had been sent to county recorder on the same date ( XXXX/XXXX/2015 ). I have went to recorder 's office and called repeatedly, they have no record of receiving documents. Loan mod is not legal if not recorded. It has been over two months, there is no reason this should not have been completed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent Experian a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Experian responded with the same response. I am asking that you force Experian to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 02/23/2016 about Debt collection (I do not know) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with P&B Capital Group, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: P & B LLC CALLED YELLING AT ME THAT I OWE A DEBT THAT WAS PAID OFF YEARS AGO. 
THEY ARE THREATENING TO SUE ME. 
THEY REFUSED TO SEND ME PAPERS OR DOCTUMENTATION IN THE MAIL. THEY STATED " WE ALREADY SENT IT ONCE WE WONT DO IT AGAIN '' THEY CALLED FROM AND AZ NUMBER AND THEY ARE LOCATED IN NY. THIS IS ROBO CALLING. 

This is a scam. 
I do n't owe anything. 
There are hundreds of blogs about them doing this to other people and they should be shut down. 
The address given is as followed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief