milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Unsolicited issuance of credit card

Complaint: I regularly use PayPal services to pay for XXXX purchases. When you are checking out with PayPal to purchase the XXXX item, you are given choices of how to pay, such as credit card or from your bank account. For credit card, you have the choice of a credit card you previously had or, PayPal offers its own. PayPal makes its own card the default payment mechanism, which I resent and am well aware of. I never asked for a PayPal credit card. I have never wanted a PayPal credit card. I have never received a PayPal credit card. I have never activated a PayLap credit card. I have never used a PayPal credit card. In short, I have never wanted anything to do with PayPal credit cards. Yet, a few months ago I received a purported credit card bill from PayPal with alleged charges. I immediately called PayPal and informed them of the above and that the charges were fraudulent. I have continued to receive PayPal credit card bills, through Synchrony Bank, XXXX. XXXX XXXX, XXXX Florida XXXX. These bills have been adding steep interest and other fees on top of the original fraudulent charges. When I received the last bill, I called Synchrony bank and informed them the charges were fraudulent and the interest charges unjustified. I informed them I would not pay either. Yet, I continue to receive new bills. I am sure at some point they will turn the bill over to a bill collector and try to ruin my credit. Please begin an investigation into this matter and order PayPal and Synchrony bank to expunge all charges, delete forever a credit card I never asked for, and order them to agree not to pass on any information about this to either a bill collector or a credit rating agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: It's been more than two decades and credits score not improving, most of the collection that ruin my reputation are all accusing me but in fact the fault falls under the company that issue the credits to me, for example, XXXX was selling products without a details information on the cost for the items ( 3 ) cellular, and billing was way above the cost of one cell phone ; another example is XXXX XXXX XXXX - charge me for leasing a cellular phone for almost 2K and this phone value was one {$300.00} or less, doesn't make sense how these people are putting people who are trying to find better life and other people are ruing their reputation due to " corruption '' in private businesses ... 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 non-monetary relief
Consumer complaint received 04/22/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (TX).
Issue: Using a debit or ATM card

Complaint: Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I qualify for and am enrolled in the Public Services Loan Forgiveness ( PSLF ) Program. In XX/XX/XXXX, I submitted my application through the federal government to have my account changed from an Income Based Repayment ( IBR ) plan to the Pay as you Earn ( PAYE ) plan. My loan servicer, FedLoan Servicing, based in XXXX, PA did not begin processing this request until XX/XX/XXXX at which point it placed my account in forbearance to make the changes to my account. They did not complete the update until XX/XX/XXXX. Because forbearance is not a qualifying status for PSLF, the 3 months that my account was in forbearance do n't count toward the 120 payments, pushing my eligibility date from XX/XX/XXXX to XX/XX/XXXX. 
Under standard repayment, my monthly payment is > {$1200.00} per month, resulting in approximately {$3700.00} additional dollars that I am liable for because of their failure to update my account in a timely manner. Additionally, placing an account in forbearance causes interest to be capitalized, which in my case resulted in {$1700.00} in interest being added to my principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: Initiated wire transfer for {$16000.00} from Coinbase to XXXX XXXX on XX/XX/XXXX. Due to incorrect routing number, funds were never sent to XXXX. However, Coinbase showed wire status as " Complete '' and funds were subtracted from my account. 

Initiated support request with Coinbase on XX/XX/XXXX requesting XXXX number for wire transfer so I could confirm with Coinbase 's bank  ( XXXX XXXX XXXX XXXX XXXX ) that they were indeed in possession of the funds, and get confirmation that the wire had not gone through. Coinbase support Case ID XXXX Coinbase replies on XX/XX/XXXX indicating that they are " working with a specialist to address [ the issue ] properly. '' As of XX/XX/XXXX, no further contact from Coinbase on the status of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just got mail from Transworld to my address and wrong last name XXXX XXXX instead of XXXX XXXX XXXX collecting a debt I do not recognized as mine

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX on XXXX age XXXX. My wife is XXXX years of age. She works XXXX earning XXXX a year and upon retirement is entitled to XXXX state pension and social security retirement of approximately XXXX a year. Contracted with my wife to purchase home to retire to in XXXX. My intent is to move in now and my wife would follow when she retired in s year or so. Contract Price was {$380000.00} and we were putting XXXX down, {$110000.00}. I wanted my wife and I to applyfor {$260000.00} mortgage to XXXX based Quicken Loans. Quicken would only allow me to apply because my wife has a {$19000.00} mortgage on our current XXXX house paid in full next year. XXXX house is worth at least XXXX. 
We dealt with XXXX people XXXX XXXX, XXXX XXXX and XXXX XXXX. I currently receive {$120000.00} per year in social security XXXX and payments from XXXX private XXXX polices. Our current combined annual income is XXXX equal to the loan. We have a net worth of approximately XXXX including our XXXX house which only has {$19000.00} remaining on the mortgage and is worth at least XXXX. We have no debts other than credit cards which we pay in full monthly. The XXXX house appraised for more than contract price and it cost us {$450.00} for the appraisal. 
We gave them all financial documents requested. Pre mortgage approval was given earlier this year. Received a letter of conditional committment on XXXX XXXX and QuickenLoans gave a closing date of XXXX XXXX, 2016. Provided copies of my most recent XXXX checks from XXXX private carriers and documents showing direct monthly deposit into my checking account of social security XXXX payment. They requested documents that did n't exist such as a XXXX and an annual award letter from XXXX XXXX insurance company. Advised QuickenLoans they do n't exist. They Requested proof to confirm I would be receiving private XXXX payments indefinitely in the future which I could not produce. I then offered to make my working wife a co- borrower and provided copies of her most pay checks and XXXX. On XXXX XXXX, one week before the closing, I was informed my wife would n't be permitted to be co borrower because she works in XXXX and they would n't consider my XXXX income from XXXX XXXX company because I could not produce an annual award letter or documents showing I will receive it indefinitely in the future. They also expressed concerned my wife would XXXX soon. I explained she is entitled to a pension and social security retirement almost equal to her current XXXX annual salary. Her credit rating is in the XXXX and as high as XXXX. My low credit score is XXXX. 
There is no legitimate financial reason to deny us a loan. It is not based upon a lack of income, bad credit rating or net worth. It is obvious we were denied due to our age and my XXXX. 
The XXXX Civil Rights Commission found probable cause against Quickenloans for discriminatory practices against a XXXX borrower. Therefore, it has a history of doing this

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has recently taken over my loan that was not originally contracted with them. They have given false information on bringing my account up to date and had also been contacting a number out of service and never reached out to my secondary number when notified. I am still in school and was told if i made a forbearance payment of XXXX dollars my account would be up to date - now theyre telling me that the month of forebearance needs to be paid so i was delinquent. This has already affected my credit score once due to their neglEgence and i will not allow this to happen again. They are not even the company i had chosen to take the loan out with they bought the loans to my understanding and i do not like their customer service or the way they handle situations.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with Designed Receivable Solultions, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX State filed judgement of {$18000.00} on XXXX/XXXX/2015. After our accountant provided them information why we did not owe this amount, XXXXState cancelled this assessment. See attached notice from XXXX State. However, they did not report the cancellation of this assessment/judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/CONTFIN to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account I do n't understand what 's going on I have an account with this company and its in very good standards and activite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with R.M. Galicia, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent wriiten notice saying : 'Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove  : Company will not reply back to me..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same/similar name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XX/XX/XXXX , XX/XX/XXXX  and 60 days late for  XXXX  and   XXXX  . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have   XXXX   XXXX   XXXX   take off all the late payments because I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with U.S. BANCORP (TN).
Issue: Billing disputes

Complaint: I had a line of credit with this company and went to close the account about XXXX months ago at the branch I applied for the credit at. I had a balance of about {$5.00} at the time due to a previous bank error with a different bank. I wanted to pay the deficient balance but wass told not to worry about it. I was told they would wave this fee and that my account would be closed. Today I received a letter in the mail advising me my account was over XXXX days past due. I called the XXXX number listed and was informed that the local branches can not close the account and that there was no attempt to credit my account the deficient balance as previously stated. I was not informed of this at the branch I went to. I did not even receive any phone calls or any other letters at any point to inform me my account was approaching XXXX days past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NY).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: In XX/XX/XXXX XXXX XXXX applied for a student loan with XXXX XXXX to attend XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. She started school, continued her education at the XXXX location, and then began her 800 hour XXXX XXXX in XXXX, XXXX, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the sametime paying her monthly payment of {$25.00} per month to XXXX XXXX. In XX/XX/XXXX, she consolidated her loan with Wells Fargo, the amount of the loan is for {$20000.00} for a 15 year loan. She began her Wells Fargo payments XX/XX/XXXX. She completed her education and XXXX XX/XX/XXXX.  XXXX XXXX XXXX XXXX notified XXXX XXXX of their closing XX/XX/XXXX.  XXXX was not notified. XXXX XXXX disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both XXXX XXXX and XXXX Department of Education that the XXXX school was not a Title XXXX XXXX. The Wells Fargo loan was consolidated in XX/XX/XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX proceeded with a loan that was fraudulent. XXXX XXXX did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career.

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 03-07-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/2014 I was admitted to the hospital with XXXX XXXX caused by XXXX XXXX in the apartment I was living in. After being released from the hospital I continued to have issues and was sent to see a XXXX XXXX. He determined that the continues exposure to the mold was causing damage to my XXXX and advised me to move out of the apartment as soon as possible.He also sent the apartment a letter stating that my remaining in the apartment was detrimental to my health. Since my lease was almost up I went ahead and paid my lease up in full. However the XXXX XXXX XXXX XXXX XXXX told me that I didn't give them 60 Days notice I was moving out I would have to pay them for not providing them with 60 days notice despite the letter from the doctor. They turned this over to IQ Data International for collection. I tried to work with the apartment complex and their lawyer. They refused to work with me. Since that time every year since then the amount has gone up. It is now over {$4000.00}. I have permanent damage and can no longer work. I don't feel that what they did was fair or right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a Motion for Writ of Possession dated XX/XX/XXXX show a certificate of service in mail and I have reached out to the mortgage company several times and we was in the process of modifying the loan. I am a victim of Predator Lending. The deed of Trust identified Lender as America 's Wholesale Lender and Stated that XXXX '' ) was acting solely as a nominee for Lender and Lender 's Successors and assigns '' and was ". I was giving an " Adjustable Rate Rider '' ranging from 8.5 % XXXX 2 years, 10 % interest payment XXXX XXXX ), 11.50 % ( payment XXXX ) and 12.875 % ( from payment XXXX to the end of the loan ). In XX/XX/XXXX I purchase a home with a mortgage loan XXXX {$370000.00} and XXXX {$90000.00} mortgage with the same company. 

I am not sure what happened where I stand right now my children are going to be homeless to the fact that your company refused to modified my loan. Worst thing that when I thought they were in the process of modifying my loan instead they decided to foreclosed and sold my home without notifying me the process. I believe my note is an Unendorsed Note by XXXX. My loan documentations is an open book XXXX XXXX XXXX XXXX XXXX. 
Green tree and Bank XXXX when i asked to speak to someone regarding because of my language barrier i get the run around. I went to the court they informed me that they have a court date on XX/XX/XXXX @ XXXX. And they stated that your home was sold since XXXX we do not have to contact you or serve you. If you received the Writ that means you was notified. I received the Writ thru regular mail dated XX/XX/XXXX

Company response to consumer: Closed with explanation