milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got contacted by a debt collector XXXX XXXX from US COLLECTIONS WEST, INC about a debt that I owe that I did n't know about at all. It is for an apartment complex called XXXX that I lived at for a year. I requested the charges details and by viewing them, everything was not accurate. It was completely an accurate claim. I called XXXX and I send him a dispute. XXXX then contacted me and said that the apartment complex has validated the debt and you have to pay! Again those chargers are inaccurate!! I 'm being charged for door lock change, panels, countertops, bathtub, carpets, wall paint and more. There are even things like window screens and shower rod that were not included in the apartment when I received it and they 're charging me for it. Basically, they want me to pay them the expenses for renewing the apartment which I have nothing to do with! I have left the apartment exactly how I received it from them! I feel they are taking advantage of me by sending the chargers to a debt collecting agency and forcing me to pay it! AGAIN, they never sent me notice or anything I 've been contacted by the agency and after disputing the collector is telling I must pay or otherwise I 'll be reported and that the report will damage my credit and if I do n't pay they will send my file to involuntary collections dept that enforces the signed lease to the fullest extent Arizona law allows upon receipt of a suit authorization from the client. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: American Education Servicesis making it impossible for me to pay my student loan, and live. My monthly payment is almost 60 % of my monthly income and with almost {$150000.00} in student loans total, I am unable to make this payment in addition to all other bills. When trying to work with AES to lower my payment or manage pay this bill, I am met with an impossible number to just get caught up, let alone continue in good standing with these. They offer absolutely no options to help in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 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 recently pulled my credit report and notice a fraudulent account on my credit profile by the name of   XXXX   XXXX   XXXX  . I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against Experian and the creditor because it 's an error and it 's a fraudulent account.

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 01-12-2018 about Mortgage (FHA mortgage) with State Home Mortgage (GA).
Issue: Trouble during payment process

Complaint: State Home Mortgage XXXX or XXXX or XXXX call contact numbers that me and many other consumers are having issues with when calling in to get answers on mortgage matters. 

I received a call from State Home Mortgage on XXXX/XXXX/XXXX at approx XXXX EST asking me when do I plan on making payment. I felt that this number one was very unprofessional versus asking me what is going on or if I was aware that they had not received payment. I then explained to the representative that I made my payment via online Bill pay through my financial institution on XXXX/XXXX/XXXX and that the payment was taken out of my checking account on XXXX/XXXX/XXXX. I then proceeded to ask since the check that is cut and mailed out is post dated if I would receive any late fees the rep stated yes if they do n't receive payment by the XX/XX/XXXX. Why is this this does not seem to be fair or ethical maybe I am wrong. 

So I immediately called online bill pay to have an escalation to have them do further research on where the check is. Upon calling back on XXXX/XXXX/XXXX numerous of times and selecting the option to speak with customer service directly again at State Home Mortgage the phone lines kept disconnecting my call as if their were some technical difficulties. Once I was finally able to get someone on the phone they stated they are aware of the issue but it is due to their high call volume. Sounds like they need more representatives. Upon reading XXXX reviews I discovered after being locked out of my online account to review information as it pertains to my mortgage that it seems as if State Home Mortgage has deceptive practices that I feel need to be investigated immediately. One being their phone lines and no one being able to get the answers they are looking for and two getting a call back in a timely fashion upon leaving voice mail after voice mail after voicemail. It is ridiculous and shameful that I have to call 20 something times for their phone line not to hang up on me. Another issue that many consumers are having is not being able to make a payment on their website as the representative suggested to me because they are having issues with Bill Pay. What type of issues when a check is cut and mailed to you all 15 days before I am late with the exception of myXX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We had an offer on our house and requested payoff from DiTech on XXXX XXXX, 2015. DiTech advised us that there would be a 5 day waiting period but it has been 11 days and every time we call they tell us the request is past due but being looked at. They will not tell us the problem only that there is something wrong on the back end. We have requested payoff in the past with no issues. Now the buyer ( who has cash ) is getting worried and is starting to want to back out. I do not want to lose this offer but we are at our wits end with the mortgage company. I have spoken with numerous supervisors but no one will give me a straight answer but do offer to call back. No Calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to file a complaint with Gregory Funding Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX By fax : XXXX I have continuously tried to receive a mortgage statement from Gregory funding. I had a bankruptcy chapter XXXX discharged XXXX 2015. After my discharge it is my right to receive my statements after discharge. Gregorgy Funding has done everything possible to not release a statement to me. I submitted a modification and was denied and now I am going through Keep Your Homes XXXX. One of the requirements is a mortgage statement with balances. I am unable to continue with the process because of their negligence in the rights after my bankruptcy. 
I have delt with XXXX with unknown last name and she has given me mis information. It is important that this gets resolved immediately as though i will not like to loose my home to this issue that can be resolved. Thank You for your time and effort in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I had no idea what this even was, Transunion that is. The last two months Ive been charged {$19.00} on the XXXX of the month and I have never signed up for whatever this is. It needs cancelled immediately, I do not use or need whatever service this is and I want a refund of the expenses taken out back into my account.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. 

The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. 

On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. 

I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are 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 09/15/2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (IL).
Issue: Adding money

Complaint: PayPal/Cash - My nephew called me with a paypal/cash card number to load onto my paypal account. The amount is {$150.00}. When I load it to my account, it comes up with an error code XXXX. I tried for several days, did research online and found others with the same problem. I did as someone had suggested, but still could not load the amount onto my card. I called PayPal/Cash - all it is is a recording that lets you know the card is active and how much is on the card. My card is active with the amount. So I called PayPal customer Service, I was told I had to get the serial number off the card before they will load the amount onto my account. I called my nephew, he had thrown the card away. I called paypal back, they said without that serial number they ca n't do anything. To me this is fraud - because no one can load that money to their account, so PayPal gets that money. On XX/XX/XXXX-XX/XX/2016 I called PayPal customer service again about getting this money loaded onto my account. The person said she was writing up a resolution ticket and I would know something in 4-5 days. On XX/XX/XXXX I still had n't heard anything, and called again. The lady said the matter was closed and put me thru to resolution, which put me thru to the automated line of paypal/cash. Nothing was resolved. I put a complaint thru online about the matter, and still nothing had been added to my account. PayPal is not adding these PayPal Reload cards to accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The account on my credit report states : Date opened XX/XX/XXXX - Acc # XXXX  I spoke with XXXX business office, I was advised to strictly pay XXXX online then they would call across the street to have the obligation fee waived, I did exactly as advised. The total amount of the class was {$390.00}. ( PAID ) the total amount with the collection fee {$500.00}. I withdrew from the class on XX/XX/XXXX, I was charged for the full class amount XXXX because I withdrew a few hours past the deadline of XXXX, I withdrew at XXXX. I was unaware of the XXXX  deadline. The bill from XXXX was mailed onXX/XX/XXXX Attached receipt to XXXX  online was on XX/XX/XXXX to prevent going to collections. Then General Revenues mailed the letter of collection 4 days later. I have attached all receipts of payments. No balance owed, I even paid the collection fee trying everything I could to have them please remove collection account.

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 07-01-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted Equifax on numerous occasions concerning this problem and it has not been resolved. In my experience their customer service agents are not very knowledgeable in regards to rectifying problems. Equifax has removed an account that is open and in a positive status on my credit file. The account to which I am an authorized user on, is my spouse 's XXXX XXXX XXXX, account number : ****************. It showed up for two days and then disappeared. I have contacted XXXX and they have assured me that they report the account to Equifax every month. I can also confirm that the account reports to XXXX and XXXX every month. By not reporting this account my credit score is suffering and I am having a difficult time obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Last month, my credit score was XXXX. Today, the Experian Credit Monitoring Service notes that my credit score was downgraded by XXXX to XXXX! More concerning, ( 1 ) I have not applied for new credit, ( 2 ) I have not been late on my payments within the past 24 months, ( 3 ) No accounts have been closed, ( 4 ) I have not used my credit cards in since XXXX 2015, and ( 5 ) no credit inquiries last month. 

I would like the credit bureaus to explain why my credit score dropped. I am currently paying $ XXXX/month to monitor my credit because I want to improve my credit worthiness. As a customer, I should be entitled to know why my credit score dropped because it is not showing up on my credit reports. Please 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 explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX and XX/XX/XXXX, I made 3 deposits to the company Coinbase to purchase digital currency ( Bitcoin, Ethereum, and Litecoin ) in the amounts of {$160.00}, {$100.00}, and {$160.00}. I left the money in my coinbase account and did n't use my account. 

On XX/XX/XXXX, I attempted to log into my account and got the message " Sorry, your account has been temporarily disabled and please contact support. '' I contacted their support team and got the response, " Hi there, I sincerely apologize for the delay. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' I followed up with their customer support team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response. I feel like coinbase has scammed me out of my money and have not  received a response to my concerns. Is this even a real company or just stealing people 's money?

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they later confirmed I was affected by per their " Potential Impact '' sit
e www.equifaxsecurity2017.com. They have put myself and millions of others at risk
of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Rewards

Complaint: Obtained a Wells Fargo Visa Rewards card, and was upgraded to the XXXX Platinum Rewards card. According to the online marketing information, I was eligible to receive " Unlimited 5x points on grocery store purchases! '' ( that wording has since been removed from their site. I made purchases that did not violate the T & C 's ( XXXX ), and was sent a letter telling me to cease all purchases that they considered to be against their T & C 's after receiving the letter, else they would be closing my account. I immediately stopped using the card, and they cancelled my account two days later. I had XXXX XXXX rewards points available to me that were placed in a pending status with a date of XXXX, then it was moved to XXXX, then said " frozen '' and I could not redeem them. Now on the site they simply say " forfeited ''. 

I did nothing against the Terms and Conditions I signed up for, and Wells Fargo took away all of the rewards I used from their card ( rewards I could have earned elsewhere, but chose to do business with them ). 

I called and they said they could not do anything about the account being closed. 

Now I have a closed by creditor account on my credit report, and they took all my rewards away.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XX/XX/XXXX however the company did not post it CLOSED untilXX/XX/XXXX the Credit Companies are reporting an ok Rating from XX/XX/XXXXthru XX/XX/XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

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