milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with AES/PHEAA (ME).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have NEVER Had an account with XXXX XXXXXXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo keeps asking for additional information ( tax returns ) and said the IRS rejected my request for tax returns without reason they said. I can not believe they rejected my request for returns given to Wells Fargo without reason. Wells fargo says they can not process my modification without tax return authorization. THEY also said they did not require last 2 years of returns in prior conversations as I have P/L statements that will be just fine the representative said for XX/XX/XXXX 2016 NOW they are changing their mind and requiring the information that they said was not required. THEY are just trying to force a short-sale of my home by being so confused and delaying things for many months that I have specifically talked to them about the documents they requested, GIVEN them XXXX all the documents and it seems to be NEVER ENOUGH and they keep changing their minds on what they need. THIS is HARASSMENT against me and I am sure they are NOT FOLLOWING FEDERAL GUIDELINES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a monthly payment agreement with social security, not a third party collection agency, to pay the full amount of their overpayment. I have been making monthly payments since XXXX of 2014. Experian shows failure to pay every month despite these payments resulting in a very low credit score. I disputed this with Experian in XXXX ( spoke with XXXX ) and provided proof of the monthly payments. I received XXXX reports XXXX XXXX stating Experian is not able to make changes to my credit report until they contact Social Security. I called Experian today and spoke with XXXX again. She said that social security responded to their dispute inquiries on XXXX XXXX, told them my most recent payment was XXXX XXXX, but is still reporting that it is a collection account and that it was sent to collections for non-payment. So I called Social Security today and spoke with XXXX. She said that on their end, once it is reported is stays on her record until it is paid or for seven years, but she does not know how the credit agency reports it. She also stated it was not up to social security how it gets reported by Experian, but she would have thought it would show payments for the months I made payments. She also said I might want to try talking to someone else at Experian. I do n't understand how Experian can continue to report non-payments every month when I am making payments every month to social security directly and paying the full amount owed. This has had a huge negative affect on my credit score. I am attaching the documents I sent to Experian when I filed the initial dispute. I am also including a screen shot of my Experian report that shows when you hover over XXXX of the months it shows " failure to pay. '' This is for XXXX of the months included in the statements I provided to Experian verifying payment which I also attached.

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 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My aunt took out a utility contract with my name and social without my permission. I was a college student in Ohio at the time these charges were accrued, and had no knowledge of it until I started receiving collections bills at my Ohio address. I have proof of my address and the collections bills that were mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX regarding this account notifying them that this account was not mine I never attended this school. I asked XXXX XXXX to verify this but they verified it was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this compliant against   XXXX   XXXX   XXXX     XXXX  and  Experian  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  & Experian continue to reported this account as verified, without proof. However   XXXX   has removed this account from 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 01-06-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: XXXX transfer to COINBASE - my money is gone. 

On XX/XX/XXXX, I transferred XXXXDKK from my own bank account to Coinbase as I would like to invest in cryptocurrencies.

Two days later onXX/XX/XXXX ( where the money still have n't been credited my account on Coinbase ), I received a mail from Coinbase, where they told me that ; " We apologize for the difficulty. Unfortunately your recently attempted deposit could not be processed because we do not yet support this type of currency. 
Currently, it is possible to deposit and withdraw Euro using the XXXX payment system. In order to return your funds promptly, please visit https : //www.coinbase.comXXXX and make sure you have entered your full banking information, including IBAN number.

If you have any additional questions, or if this payment does not return to your bank within the next several days '' Since the e-mail above from XX/XX/XXXX, I have contacted Coinbase several times but still have n't got my XXXXDKK back. I 'm pretty sure the responses I get is auto generated from a bot ( I will include screenshots of the full contact to this complaint - It 's a lot of screenshots! ). 

It has been impossible to get a response from Coinbase since XX/XX/XXXX where I contacted them the last time. 

Please help - I 'm desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Billing disputes

Complaint: I got a loan for debt consolidation from One Main Financial in XXXX 2016. Macy 's credit card was on of my things to payoff. I took the check made out to Macy 's for payoff account to Macy 's department store in XXXX, SC. The check was {$660.00}. It was Attached with my billing statement and credit card itself the lady at the counter took my payment with no problem. I received a billing statement reflecting the payment of {$660.00} was applied to my account on XXXX XXXX 2016. The next billing statement I received was a surprise because my account was supposed to be at a zero balance. It showed a huge increase in my balance, it also showed a payment reversal for {$660.00} on XXXX XXXX 2016. Not once did I receive an email regarding the payment reversal, no notification whatsoever. I called Macy 's to see what was going on. I also had the customer service representative to dispute my account back in XXXX, that way it would n't show owed a payment until this is resolved. At first no one could tell me what happened. I asked to speak to a supervisor regarding the matter. Again, I was n't getting a straight answer as to why my payment was reversed. At some point, I was told it was because they did not have my Macy 's account number on the One Main Financial check but how was it applied to my account if they did n't know where it belonged? Then I was told well it may be because we are n't showing we received the funds. Again, how did you apply it to my account in the beginning and randomly reverse it two months later? Still no good answer. The supervisor told me the payment research department was requiring proof of the cleared check from One Main Financial. I retrieved the cleared check and faxed it to Macy 's XXXX different times. The Manager of One Main Financial also reached out to the supervisor and faxed the cleared check to Macy 's payment research department as he was asked to do. Still there was nothing done about the payment, they kept asking for more stating the cleared check was not good enough. Now they needed a letter on letterhead from One Main Financial and bank statements. I told the supervisor numerous times this was a huge third party corporation and they could not just give me bank statements. I spoke to One Main Financial regarding a letter on letterhead, he states he does not have the authority to do a letter. He states at his point I have followed my normal protocol for this matter. Currently, Macy 's said we are done with matter since we are not getting the " letter '' that we need. My account is now back to its regular standing and I must continue to pay my monthly payments starting on XXXX XXXX 2016. My balance is back to {$660.00} which is supposed to be paid off. This affects my credit, my money and I am now in the middle of buying a house!

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 09-09-2016 about Debt collection (Medical) with Illinois Collection Service, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a outstanding debt of XXXX from Medical services from XXXX in XX/XX/XXXX. XX/XX/XXXX Illinois Collection Services entered a collection of XXXX that appeared on my XXXX Credit report. I have contacted the collection agency to pay the debt and they indicate that while my credit report debt shows XXXX collection, I actually owe an additional XXXX, totaling XXXX. The rep says to pay the XXXX will not remove the collection from my credit report. I do n't have any other medical debt with XXXX and have not been provided with any documentation to say otherwise. Since XXXX XXXX the debt has been consistent at XXXX but I am unable to resolve it because Illinois XXXX is illegally asking to pay an additional XXXX. Additionally, my XXXX credit report as of XXXX XXXX, that I have a new collection from Illinois Collection Service of XXXX which is the same debt that was put on my credit report in XXXX XXXX. The debt in showing closed but as a new debt. This is effecting my credit score and ability to secure credit at a competitive rate. I call Illinois Collection Services today, XXXX XXXX in which I was told again that I would need to pay the additional XXXX in order for the XXXX debt to be removed, I asked to speak to a supervisor. I finally hung up after 20 minutes on hold. The staff is unprofessional and are unwilling to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with National Check Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I would like to file a complaint to dispute the claims of a XXXX credit card that was created in my name XX/XX/XXXX. This particular credit card was created in a fraudulent manner in which I had no knowledge of until XX/XX/XXXX. XXXX/NCB never brought this matter to my attention because they claimed while I was in military service, they did not want to burden me with this matter. I am still in military service with the XXXX XXXX. I was XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I am still in military service for the California XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have included several supporting documents to include my XXXX in which shows my service in XXXX XXXX time and the transference to the XXXX XXXX XXXX. I have also included the court papers in which NCB claimed they served me in XX/XX/XXXX. I was never served or given these court papers. Lastly, I wish to state that I must maintain proper standing for my XXXX clearance for the government. A suing and or debt of this matter would of prevented me from obtaining my clearance if this matter was brought to myself or my employers attention. This credit card account never appeared on my credit report in the past 10 years. Please let me know if you need any additional information from me in regards to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for a Chapter XXXX bankruptcy on XXXX XXXX, 2016 and my attorney provided notice to the trustee and lender at XXXX. Caliber proceeded with my sale any way at XXXX. My attorney contacted the trustee and they stated the sale would be rescinded due to the fact that proper notice was provided yet it is now two weeks later and we keep getting the run around and the sale has not yet been rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Home equity loan or line of credit) with Franklin Credit Management Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Payday loan) with AES/PHEAA (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm no longer at this desk phone # and now a coworker is receiving the harassing phone calls. I 'm about to loose my job because of them calling constantly. I notified them XXXX times to please remove this phone # from their list to no avail. I had made payment arrangement 's with them but they would not provide me with documentation, my husband said it seemed fishy. We are unable to find them online. We do n't want to make a payment to a false collection agency.

Company response to consumer: Closed with explanation