milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2016 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX/XXXX/XXXX, I submitted CFPB Complaint # XXXX. Dyck-O'Neal was attempting to collect on a debt that was a result of identity theft. The complaint was resolved, Dyck-O'Neal, agreed the debt was the result of identity theft, and Dyck-O'Neal deleted the credit line that appeared on my credit report. Two months later, Dyck-O'Neal issued me a XXXX indicating that it " cancelled a debt. '' I filed CFPB Complaint # XXXX, indicating that the issuance of the XXXX was in retaliation for my CFPB complaint. The following day, Dyck-O'Neal responded to the complaint indicating that the XXXX was issued in error, and that a corrected XXXX would be issued. In an apparent total disregard for the CFPB, Dyck-O'Neal appears to have sold / transferred the original debt that was the result of identity theft. On XXXX/XXXX/XXXX, four months after Dyck-O'Neal agreed to delete the credit line, I received a collection letter from XXXX , XXXX XXXX XXXX, XXXX attempting to collect the debt that was a result of identity theft, referencing both Dyck-O'Neal and the Dyck-O'Neal account number.

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 10/13/2016 about Debt collection (I do not know) with Partners Financial Services Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed regularly concerning a debt that is not mines neither did I authorize the responsible party to use any of my information to acquire this debt. I have written several letters to the comapny and have even talked to them letting them know the responsible party is not myself but my son who took out the loan and attempted to use me to get the loan for the alleged purpose of trying to go to some XXXX school. Because they can not reach my son and he attached me to his information they are attempting to come after me and to have me pay for something that is not mines nor did I authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with United Recovery Solutions (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues to call me every day to try and get personal information without telling me what it is needed for or what the company 's business is. I looked the number up on the internet and it says they are debt collectors, United Recovery Services. I do not have any outstanding debts and confirmed with my credit report. I asked for them to stop calling and they have not. They have asked for SSN but would not tell me why they needed it. They have called my XXXX year old grandfather in-law requesting information. They have called me on my company phone which is owned by a federally recognized tribe. They call multiple times in a day even after hours. I would appreciate any help to get this to stop.

Company response to consumer: Closed
Consumer complaint received 02/20/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I submitted a application for the Making Home Affordable Plan. Wells fargo sent a letter dated XX/XX/XXXX requested a the Benefit letter and social security award letter for my husband and my latest two paystubs XXXX and tax returns for any contributing non -borrower. On XX/XX/XXXX, I received a letter from Wells Fargo which listed 16 requested items received by Wells Fargo and 6 missing items. On XX/XX/XXXX I received a Denial Letter for Wells Fargo Proprietary Step Program a program which I did not apply for. The Denial letter list only one program that I was reviewed for and did not offer any details of the evaluation process or what was used in terms of qualifying us the interest rate used or if the amortization method used. I feel that Wells Fargo did not want to review for the Making Home Affordable Program for which I applied.

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 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a few hard hits on my credit I did not authorize. My Father and I have the same name and same address so sometimes are information gets mixed up. I am not saying that 's the case here but few of these inquires are not mine nor did I authorize them.

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 05/20/2015 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (MO).
Issue: Managing the loan or lease

Complaint: Sun Trust is reporting derogatory and inaccurate information on my credit report. The Sun Trust Item on all my credit reports was listed on my Chapter XXXX Bankruptcy Filing dated-XX/XX/2013. Please see attached filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I was reviewing the outcome from EXPERIAN about a complaint issue with   XXXX   XXXX   #  XXXX ****,  XXXX *** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing.   XXXX   has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed.   XXXX   XXXX   days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

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 10-05-2015 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a medical debt from my new born child from XXXX XXXX XXXX ( XXXX ) when she was born on XXXX XXXX 2015. I was covered under my father 's health coverage but my daughter was not when she arrived. I applied for her health coverage under the affordable care act ( ACA ) under the state of New Jersey on XXXX XXXX of 2015 and received a confirmation number but as of this day I still do n't have medical coverage for my daughter. 
I contacted XXXX XXXX who is my daughter 's primary doctor of the fact and could they put me on a payment plan until coverage begins, they verbally said they could and was also informed that her initial debt from the hospital would get paid when her coverage began. Contrary to what I was told by their office staff, it went to IC System collections. Regarding getting coverage in my state, I received a confirmation number when initially applying and have been following up regularly and had to submit pay statements from my part time employment for the process to go further. Like I said in the aforementioned, my daughter is still not covered medically and I just received a rejection letter regarding my daughters application due to the person processing her application did n't see an address for my place of employment. 
I think this wait for her coverage is way beyond what was envisioned when the XXXX was instituted. I just wanted to bring awareness to other federal and state agencies and know of the dilemma I am encountering and the inefficient processing of my over 6 months old application. I am hoping this complaint, can also inform future care givers of the problems faced with applying for medical coverage within each state and navigating the bureaucratic maze. I am not ruling out seeking the counsel of a lawyer to address the enrollment delay and collection tactics. I question the legality of collection tactics while XXXX applications are still being processed. Thanks for looking into my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Payday loan) with Rocky Mountain Recovery Group (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On Wednesday, XXXX/XXXX/16 I received a call at my home on my voice recorder from a Agent XXXX XXXX with XXXX regarding criminal and civil charges being brought against me and did not say what this was regarding. A call back number was left XXXX and case # XXXX. I thought it was bogus since a bill collector should not be acting like a government representative with the titles he was using. I get a lot of junk mail and calls regarding this sort of thing and thought it was bogus regardless. You really have to have your antenna on to full power now a days. At around XXXX I received a text from my Mom that this Agent XXXX XXXX had called my Dad 's office and spoke to my Dad 's receptionist at his office and left a call back XXXX case # XXXX. I want to know where I listed my Dad or my Dad 's business on any loan document? This is totally illegal what XXXX XXXX XXXX is doing and just using plain scare, intimidation and bullying tactics to collect on some debt. This rogue collector needs to be reeducated. I called back the XXXX number and spoke to XXXX XXXX who answered the phone as XXXX XXXX and there recorder stated they were XXXX, XXXX XXXX. I believe this company has lost there moral compass and is due for a reeducation on Fair Collection Law.

Company response to consumer: Untimely response
Consumer complaint received 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Attorney General of the State of Ohio sent expungement letters to Experian requesting they remove XXXX liens which were on my report. I sent a certified letter to Experian requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have not been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Rash Curtis & Associates provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: . I have been trying to work with Citi mortgage to obtain a loan modification to stay in my home. However they have not been willing to help me. There service department has lost my file XXXX different times and claimed that I never started a loan modification. They have issued me just in the last seven months XXXX different customer support specialist ( XXXX XXXX ) Which would not return my phone calls and would not return email in a timely manner. Out of the blue they pulled her out of the case and then we got ( XXXX XXXX ), which seemed to be very kind, understanding, and very accommodating. With XXXX, over the last several months we were able to get all of the documentation to her in order to complete the loan modification. XXXX indicated that she has submitted all the paperwork to underwriting department. XXXX gave me the reassurance that she would do anything that she could to keep me in my home. Citi Mortgage went ahead again and switched customer support specialist to ( XXXX XXXX ) which will not return our phone calls or emails. I have called her everyday, I was lucky one day and she actually picked up the phone. She asked my information and my loan number, as soon as she identified who I was she stated that she was on the other line. It has been over a week and I have still have n't heard back from XXXX. I just received a letter from XXXX and XXXX, which is a firm that has been retained to conduct a non judicial foreclosure sale. I am absolutely shocked, I was just told thirty days ago that all of the paperwork that I submitted looked very good and they were going to do anything to keep me in my home. Now my case has been sent over to a law firm for foreclosure proceedings. I know this is definitely against the law, and they are commiting fraud. they have not tried to help me, they do n't communicate with me, they keep switching my file around to different individuals within the company with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are being serviced by the Great Lakes, and I believe there are several UDAAP issues. 

First of all, the website claims that the payments will go towards interest first, and then towards the principal balance of the loan with the highest interest rate. I have the screenshots of that language that I have provided. However, this is not the case. My payments have been allocated towards all loans, including the ones with the lower interest rate, resulting in higher interest earned on my loans. The website has recently introduced a feature that allowed the customers to choose which loan they would like to allocate their payments to. However, even though I have chosen specifically the loan with the highest interest rate, my payments have still allocated towards all loans. 

The second issue I found was with the payoff amount. When looking at the payoff amount on the website, the amount I was quoted was {$12000.00} as of XX/XX/2016. However, including the interest earned through XX/XX/2016, my total payoff amount should only be {$12000.00}. The quote includes an additional 10 days of interest that I should not have to pay if I were to pay off the loan on that date. The amount is overstated in a deceptive manner. I have included the payoff quote print out for your review, as well as a print out of my accounts, interest rates, and balances for each of my loans. 

When I contacted the customer service regarding these issues, my disputes were not addressed properly, as I was simply given the same information that was provided on the website regarding the allocation of payments, that did not match what was actually happening with my account. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (UT).
Issue: Unauthorized transactions or other transaction problem

Complaint: Issue 1. Ca n't withdraw any of my funds ( approximate value {$120000.00} ). The system has an automated ID verification system that fails every time for me, despite using the exact same ID I originally used when I opened the account. I 've tried all suggestions give by support and from the support pages and forums. Nothing works. I 've contacted support numerous times and they have stopped responding to me. On XX/XX/2017, I attempted to withdraw {$5000.00} from XXXX/Coinbase. It transferred the money from gdax to coinbase but failed to finish the transfer and send it to my bank. No reason given. After contacting support, I finally got the answer that I needed to verify my ID again, which I 've attempted 20+ times this past week. <P/>Issue 2. Missing wire transfer and no response from support on what happened to it. On XX/XX/2017, I transferred {$1.00} from another account to Coinbase in order to verify the new account as suggested. The wire transfer was sent but it has never been credited to my coinbase account. I contacted support, but have received no response addressing this issue. The fed reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: As I make payments to principle to pay down my debt more rapidly, Navient raises the interest rates on the private loan to offset the difference in interest they receive. In the past year they have raised my interest rate more than 2 % in direct relation to my principle being lowered by extra payments. I did call them to ask why my interest rate was so high and they did the additional payments as a reason for my rate hikes.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Federal Tax Lien recorded does not have complete social security number or date of birth as required.

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