milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Coast Professional took over my student loan. I received a letter that my wages would be garnished. I called and spoke with the manager ( so-called ) there by the name of XXXX XXXX. I explained to him that I was on a payment plan prior with another company from Dept of Ed and that my payment suddenly stopped from being deducted from my account after 2 years. He stated that he would look into it. Two weeks had gone past and I heard nothing. The next pay cycle my check was deducted {$XXXX} ( per pay period ). I called Coast XXXX and asked what could I do, XXXX XXXX was rude and said " What do you mean what can you do? Pay it! '' I told him that I would call Dept of Ed and get to the bottom of this. I called Dept of Ed and they had no idea that I was getting garnished. That was only after I was hung up on by 2 people while transferring my call. 
I called back and got a manger on the phone who explained everything to my wife and I. I then sent all the paperwork needed to Coast XXXX in XXXX. I had to keep calling to check that they did receive it. Only to find out that XXXX XXXX is the manager of wage garnishment and they were already in the process of garnishment. The phone calls kept going because we would send info only to be told " Oh you forgot something '' on ly to point out that they received it already. We were then told that my garnishment wages were granted to be stopped on XXXX/XXXX/XXXX by XXXX. I called Dept of Ed only to be told that they had none of my information and they do not know why I was told such. I called Coast XXXX back and spoke with XXXX this time because XXXX who prev told me that an item was missing again was busy. XXXX stated that Coast has not sent my information yet because they did not have all my paperwork. I am still waiting for this to be resolved. I asked for the loan amounts to be sent and I have yet to receive paperwork about my loans or paperwork stating that my wages were garnished! 
This company is HORRIBLE and Dept of Ed should be ashamed to let their student be handled in such a way. I now recommend to all kids not to take out a student loan just go to trade school and try to get a grant!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: This is property is located in a disaster-impacted area : XXXX XXXX, Texas XXXX ( Hurrican Harvey ) please revise modification to reflect see complaint XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As a co-signer on my son 's student loans with Navient, I want the flexibility to make payments that are applied directly to principal that do n't interfere with how the regular monthly payments are received and processed. Ideally, I would like to set up an autopayment from my bank account ( monthly ) applied XXXX % as a principal reduction that will not interfere with my son 's autopayment of Interest and Principal payments. The payment options they offer are too limited. The manner in which payments are handled results in prepayment penalties ( extra interest and fees because you ca n't reduce principal ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Go Capital Holdings, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Approximately two weeks ago I checked my credit via XXXX XXXX and noticed that my car lender Go Financial had reported that my vehicle was affected by a natural disaster. I live in XXXX Florida and hurricane Irma did in fact have a impact on me. The vehicle that I am financing with them however was not impacted or affected by the hurricane. The only reason why I was alerted to this report is because I was looking at purchasing a new or used vehicle at a car dealership and the salesman asked me this report. I couldnt believe it! The salesman later informed my wife early this week that more people looking to buy a vehicle also had this on their credit report and that it was the same finance company Go Financial who reported it. The salesman advised that customers did not know as well as us. This report Did Impact The decision Not To Get A Loan with a good interest rate. The salesman advised that this company should be reported and that Go Financial did me No Favors with this kind of claim. Thank You!

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 05-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX ' I was directed by Sallie Mae ( now XXXX ) to take out Private loans instead of Federal. During my XXXX year I had applied for a loan and was approved. Looking back after investigating it looks as though they also approved a loan a month later in almost the same amount totaling $ XXXX. After school I struggled to find a job and was told to deffer my student loans which capitalized interest. My total borrowed was XXXX and is now XXXX. I make my student loan payments on time but am buried under the student loan debt. I have tried to get answers from Sallie Mae regarding the XXXX I feel we never received and have never received an answer or know what to do. I am currently paying on a " payment plan '' but with the debt and interest payments, I will probably never pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: have not received following 5 withdrawals : I Have not received those wires from COINBASE XXXX XXXX XXXX {$2900.00} reference # XXXX XXXX XXXX {$9900.00} reference # XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$48000.00} ref # XXXX Please update me as soon as you are able to. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

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 09-01-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: Moneygram has blacklisted me and will not let me send money across the street let alone anywhere else purely based on conjecture with no evidence of proof or eyewitness testimony! 
Dear XXXX XXXX, Thank you the letter you mailed to our corporate office dated on XXXX XXXX 2016, detailing your concerns associated with MoneyGram XXXX. 



You have complained that MoneyGram has refused service. 



Please be advised that in order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transaction amounts and frequencies and will, from time to time, put restrictions in place to safeguard our consumers. MoneyGram retains its rights to process or decline any transaction sent through its system at any given time when it does not feel comfortable with the purpose of the transaction and/or sending/receiving activities of the customer. 



After reviewing your send activity, MoneyGram Compliance Department determined that your transactions raises several red flags concerning the activity. Due to this reason, your name was placed on restrictions in the MoneyGram system which disables you from using our services. This decision was made after careful consideration and can not be changed in the future. We apologize for the inconvenience. 



Providing first class service is one of our main priorities. Again, we are sorry you encountered any inconveniences with our service. 



If you have any questions, you may contact us directly by e-mailing us at XXXXXXXXXXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence Regards, XXXX XXXX XXXX - Resolution Assurance ______________________ MoneyGram XXXX p : XXXX f : XXXX XXXX XXXX , Texas XXXX , US

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Accounts remain un-verified and or innacurate ....

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 12-02-2016 about Mortgage (Home equity loan or line of credit) with Fay Servicing, LLC (AP).
Issue: Loan modification,collection,foreclosure

Complaint: Fay Servicing has engaged in unfair and improper lending practices by scheduling foreclosure on our property but has refused to provide the specific dollar amount needed to cure the default, thereby making it impossible for owner to make settlement to avoid foreclosure. 

Fay Servicing has also made no good faith effort to investigate owner 's contention that original loan was improperly transferred by XXXX XXXX XXXX ) since it was XXXX of the loans that was part of the National Mortgage Settlement between XXXX and the XXXX XXXX XXXX. 

Fay Servicing has engaged in false and misleading practices by failing to fully disclose all costs expenses and charges included in proposed trial modification, as well as full terms and conditions of permanent loan modification. Fay Servicing also failed to disclose that proposed loan modification would create a negative equity situation for the owner. 

Fay Servicing failed to fairly and properly evaluate owner 's eligibility for XXXX programs established to assist distressed borrowers, and instead insisted that lender 's proprietary loan was the only option available.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I reviewed my credit report on XX/XX/XXXX  via  XXXX  and found a Kohl 's Dep artment Store trade l ine on my  XXXX  and  XXXX  credit report, however, I never applied for the card in question, which list me as an authorized user.  <P/> Date opened  XX/XX/XXXX  ; amount {$490.00} listed on my   XXXX   report and {$540.00} listed on my   XXXX   report. I have tried calling Kohl 's, however, I am still awaiting a response, so I decided to file my complaint through the consumer finance agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I would like to file yet another grievance against Equifax for failing to remove  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX  from my reports. I have been repeatidily disputing that is showing false and outdated information on my credit profile. Equifax is absolutely harming my financial life and have refused to acknowledge that they continue to re-age an account that is supposed to have been removed from my credit profile 2 years ago. This account updates as current and even late though the account has been closed for over 7 years. I have not had a lease with this company and it shows that i have many many lates incurred even though this car was returned o ver seven year s ago. As a matter of fact up until a few weeks ago it was  STILL re porting as an active account.     This account is incorrect and false information is being displayed to creditors and this is damaging my career.     I have proof that neither  XXXX  nor   XXXX   were able to get a hole of this company. ALSO I have filed many CFPB complaints against  XXXX   XXXX  and I have even called the numbers provided and i have received NO RESPONSE. My concern is what type of scam Equifax is running on people who dispute items because  HOW ar e they verifying this? it is false and impossible to confirm. They have had " IN PROGRESS '' next to my dispute since  XXXX   XXXX ,  XXXX !  Enough is  enough. this is not an accurate tradeline, it contains wrong information and it is displayed with negative remarks. I have lost credit over this and I am absolutely on the verge of suing them and    XXXX   XXXX   . The addresses are wrong the numbers are wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 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: Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX 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 09-08-2017 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: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

I checked https : //www.equifaxsecurity2017.comXXXX and the results showed that I have been impacted by this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Wells Fargo home mortgage has contacted me two times looking for another person. I informed them on XXXX/XXXX/2016 that I am not that person and to remove my number from their contact list. They asked me to give a message to that person which is a violation of the FDCPA. I was contacted again on XXXX/XXXX/2016 by Wells Fargo home mortgage looking for the same person. I again informed them that I am not that person and to remove my number from their contact information and to not call. The 2nd call is a violation of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, and did n't notify me. They waited months to go public with the information and now has cost me hours, money to freeze my credit with 4 bureaus, and will continue taking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

The US needs a government body to set standards for security for firms such as Equifax. This level of security breech should never have happened and the lack of oversight is to blame.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant & Weber (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named Grant & Weber in XXXX California. I have called to XXXX and disputed the information. I also placed a call to Grant & Weber on Monday the XXXX of XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hello, I contacted Chase this evening to request extension of XXXX XXXX XXXX XXXX XXXX XXXX entitlements to my Chase XXXX XXXX credit card which was opened in XXXX XXXX. I was on XXXX XXXX when the account was opening and remain on XXXX XXXX. Chase informed me that they 're only extending XXXX benefits to accounts that were opened after XXXX XXXX, XXXX, and not existing accounts. 

Reading through the text of the actual law, there 's a compliance deadline of XXXX XXXX, XXXX, but no distinction regarding the applicability of benefits to an account opened before or after this date. Eligibility, which I meet and which can be easily verified via the XXXX website, is all that matters. 

Please confirm that I 'm understanding the rule correctly. If correct, request your assistant in ensuring that Chase complies these requirements. 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I advised them on XXXX separate occasions NOT to contact me and that I needed verification of the debt. They have continued to call since these notices ( more than XXXX times ) AND never verified the debt. Since they did n't provide verification of the debt within 30 days, they can no longer collect from me. They also now owe me for EVERY call they 've made to me since I told them not to call ( I have confirmation of my contact ). These were also robo calls so I am owed for that as well. I want them to pay me for all the calls they made after being told not to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Medical debt) with Account Resolution Corporation (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection company ACCOUNT RESESOLUTION CORP. Balance Date XXXX/XXXX/2017 and is attempting to collect on a medical bill from XXXX Clinic in the amount of {$39.00} of which, they have no right to collect. This bill was paid in full to the hospital directly. I disputed this information on my credit report yet, they are reporting that the collection account is open and validated according to the FCRA. on my credit reports to XXXX and XXXX. This is fraudulent information. It is apparent that the collection company has failed to do their due diligence in validating this debt and are inaccurately reporting this debt. If they fail to completely remove this collection account from my credit report, I shall file suit in the State of Arkansas and sue for damages to my good name, and for damages to my financial situation.
I have attached a word document showing the information currently being reported on my credit report as of XXXX/XXXX/2017

Company response to consumer: Closed with explanation