milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX of Pioneer Credit Recovery is totally unprofessional and abusive. Calling me a liar, saying I did not send my financial verification records, i.e. XX/XX/XXXX tax return and XXXX, when requested 2 yrs. ago. Searching my computer, I found, scan and send communications, with Pioneer on BOTH XX/XX/XXXX and XX/XX/XXXX. Had to send twice because Pioneer could not open a word document. I made monthly arrangements and did not miss a payment, for the 9 or 10 months agreed upon. Pioneer cancelled my payments and then put wage garnishments on me. Without notification! I have no problem repaying my student loans, but to be belittled by XXXX and called a liar are beyond me. I reached out to Pioneer to resolve the wage garnishments and was told the only way to cease garnishment was to make payments on top of monthly wage garnishments. Well, if that is the case, I 'll just allow the garnishments to continue until the debt is paid. But I will not tolerate abusive communication from XXXX. Thank you, and Happy St. Patrick 's Day!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wakefield calls constantly. We have said, ok, maybe we owe this money, and asked that they send us a hardcopy in the mail detailing what we owe. We have verified our address, but for three months now they just keep calling. Everytime we answer, they say we owe money, and what card are we going to use. If we owe the money we 'll pay, however they refuse to SEND anything in the mail with a balance due on it. They wont stop calling, and demanding money. It 's becoming very frustrating.

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 05/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX turned my debt over to XXXX, bill was paid in full to XXXX on XXXX XXXX, 2015. I just received a demand letter from West Asset Management , Inc That I owe {$510.00}. I have no idea who these people are and they are threatening to report unpaid debt to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the  XXXX  of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally  by the  XXXX   or  XXXX  day or each month. Bayview has called me starting on the   XXXX   day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.
<P/>
I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.
<P/>
Previously received calls in  XXXX  and  XXXX . On  XX/XX/XXXX received call from   XXXX   XXXX   at   XXXX   XXXX  . Who escalate the call to management  XXXX  ( did not provide last name ) at ext.  XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.
<P/>
I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (FHA mortgage) with ALLIANCE FINANCIAL RESOURCES (AZ).
Issue: Settlement process and costs

Complaint: I was approved for an fha loan where I was putting 20 % down and paying the upfront mip out of pocket at closing. This is the way I was approved. After closing I noticed that the mip was included in my loan amount. I have evidence of this entire episode. 
I contacted my loan officer and he said not to worry that he would take care of it. This is all in an email I have kept. Numerous times I had contacted the lender for this to be resolved. It is my understanding that the approval of my loan was changed after my loan closed, I have all the information saved for your review to proved that my loan information changed after my loan closed to make it look like I did n't want to pay upfront mip out of pocket ... I called FHA and they said to get with my lender and I did. They are trying to say this is the way it was. Not so ... 
I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: Paypal offers a purchase protection. I purchased a new ultrasonic cleaner on eBay and paid with Paypal. The item was dead on arrival. I contacted eBay and they told me I am covered under Paypal 's purchase protection. I checked the policy and I saw that I qualify for protectin under their policy. I called them and they filed a claim. However, they denied my claim. When I called back, they said they need the proof that the item was broken when it arrived. I told them I have the dead item and could send any proof they need ( e.g. the item if they want, a video, etc ). They said they will file a appeal and will tell me what proof to send. However, they have denied it again without specifying what kind of proof they need. It seems like Paypal 's Purchase Protectin is a scam. They keep filing and denying you for no good reason until you give up. In this case, have a dead item that I paid full price for trusting I was covered if things go wrong and now have no recourse. Paypal are not standing behind their promise. 
I expect Paypal to stand behind their Buyer 's Purchase Protection. It states they 'll reimburse for the full purchase price plus any original shipping costs. This is a seller that they have certified and if they are fraudulent they need to deal with directly. I placed this order based on the fact that I would be covered if things go wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are XXXX student loans and an account with XXXX and XXXX that have been disputed with the bureaus and the information varies on all three bureaus. The late payment months are different amounts etc., I then requested information directly from the companies and they have not responded at all. The address that were used for these letters were those listed on the credit report. It has been over two months and there is still no response. If the creditors are not responding to me the person that is suppose to be responsible then they would not reply to a true investigation from the XXXX bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Consumer Loan (Installment loan) with SimpliFast Lending, LLC (MO).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan from a company in Kansas XXXX Kansas called Simpli Fast lending for an unsecured loan of XXXX or possibly more. The ad is false misleading because it states that bad credit is no problem and it deceives people into thinking the will get a loan regardless of their credit history.I have filed a complaint to the better business bureau and attorney general in my state but they will take a long time to look into my complaint. The ad states as follows Need Money No Problem Personal Loans Simple Easy Fast Bad Credit. No Problem Approved in minutes. 
Apply online or stop by. 
Open M-F XXXX SimpliFast Lending The loan experience you deserve XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I emailed the company and XXXX answered by email to my response but he did n't come back with a response just yet. I am asking that the amount of the loan that should have been financed to me in addition to all legal claims for false and misleading advertising in additional to all applicable lending laws as well as other damages as well. So I would ask that the company pay me all losses in my settlement as I needed the money for urgent personal matters as I am more than able to pay back the loan with my income requirements as well. I get a va pension of XXXX, social security XXXX of XXXX a month, and about XXXX or more a month working part time at my job which would be more than sufficient to pay back the loan even if my credit was an issue in which the ad states that bad credit is no problem in getting a loan with their company. It is the holidays and I need this matter settled as promptly possible as I intended the money to be also used for holiday shopping as well. Please call me back as soon as you can to settle this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There were false information on my credit report. I 've disputed with credit reporting agencies and aside from Experian, others have recognized the error and deleted them items. However, after thirty days of submitting the complaint, Experian only responded with a letter that states " If you question the results of our dispute process, then you may want to contact the furnisher information directly or review the original information in the public record. " Complaint receipt date : XXXX/XXXX/2015Refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: XXXX XXXX is not in compliance. According to the FCRA XXXX XXXX XXXX is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed XXXX XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from TransUnion and XXXX the dispute was not corrected. What I did notice was that XXXX XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX XXXX XXXXXXXX XXXX is not giving me any type of rating and are flagging my credit report with TransUnion as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current TransUnion Report XXXX XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with XXXX XXXX in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX XXXX XXXX is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX ID Number XXXX, stated to me she could not answer why XXXX XXXX  was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.

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 10-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XXXX XXXX ( XXXX/XXXX/XXXX ), I initiated a SEPA withdrawal transfer from my wallet on Coinbase with the value of XXXX. I received an automated email saying that the money would arrive in my bank account by XXXX XXXX ( XXXX/XXXX/XXXX ). Today is XXXX XXXX ( XXXX/XXXX/XXXX ) and the money still has n't arrived in my account even though on Coinbase the transfer is said to be completed. I have sent multiple support tickets which have n't been responded to. The dates of the supports tickets which got automated responses are ; XXXX XXXX, XXXX and XXXX. I sent XXXX before those which did n't even get an automated response. For a company that deals with consumers money to not respond is outrageous. I have waited over a month for something that was said to take a few days and am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been given false information about paying back the loan. The original payment I was making for the first few years of the loan was not adequate to have the loan paid off in the original term. I was then told I need to increase my payment in order to 'catch up '. The payment amount I 'm making now is not equal to the statement amount they send me. Also the payment schedule does not make sense based on my own math. I 'm concerned my payments are not being applied correctly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Quality Asset Recovery LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. I have complained multiple times over the last twenty years of this problem. But it keeps happening. Another XXXX XXXX ( married name ) information continually gets added into mine. Problem is she has lived some cities I have lived in at various times. But she has also lived other places I have not lived and had never lived at same addresses. Big glaring issue on my report at this time is that I have never lived in XXXX and not exactly sure where it is. It needs to be removed. <P/>2. Also, I have never used the name XXXX or XXXX XXXX ever. It is not my name. Nor is it XXXX XXXX XXXX. I was born with the name XXXX XXXX XXXX. After my divorce, I resumed the use of My birth name : XXXX XXXX XXXX. Usually I do not give out the middle name as I do not like it. Please delete the name of XXXX from my record as it is not now and never has been my name. Thank you. <P/>3. I am really tired of having this other persons info combined into 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 11/29/2017 about Vehicle loan or lease (Loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (NE).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. 
I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title.

The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title.

XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ).

They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle.

I have given them all information regarding the status of the vehicle yet they are still harassing me. 
I have also told them that I am in the process of working on a case with an attorney. 
I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.

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