milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: My father passed away on XXXX/XXXX/2016 and I 'm the sole beneficiary of his estate, according to his will. He had number of contracts business in XXXX, Virginia with XXXX, ( XXXX XXXX XXXX. XXXX XXXX XXXX ) that were registered with State Corporation Commission ( SCC ) in XXXX, Virginia. He had filed his taxes for the registered business for the last 10+ years as a sole proprietor. For the said businesses he had opened bank accounts with one of his employee as a signatory. 
Upon his passing, with the help of the bank manager, his employee removed his name from the business accounts and declear them as hers by presenting false documentations, if any. 
I and the Executor of the will have tried over the last 6+ months to get the bank to cooperate with us and grant us access to the account so we can pay his final expenses and his taxes etc,. We have provided the bank with all necessary legal documentation needed to honor the request, but in vain. 
The bank continue to give the employee ( XXXX XXXX ) access and honor deposits and withrawl under a forged signature. The employee who claim this to be her business or account, She has never registered this business in XXXX county or with the State of Virginia or has paid / filed business taxes for this business. 
She has lied to the SCC and has produced false documentation, her being a survived spouse. 
I ask you to help me get access to what is mine by law. Below are the info about the bank and accounts. 
BB & T XXXX XXXX Account XXXX XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (AR).
Issue: Managing the loan or lease

Complaint: I contacted Mercedes Benz Financial Services to alert them that they are erroneously reporting derogatory credit lines on my CBR. I spoke to a XXXX XXXX who had me fax my credit report to her and she said she could send me a letter today ; they admitted that they have made a mistake, but then she told me I would have to wait 30 days per her Supervisor, XXXX XXXX to get it removed? It is not my loan and I advised it was causing adverse action. I asked for her supervisor, XXXX XXXX, who refused to get on the phone. I asked for an escalation to an Operation Manger and was told that none were available. I asked for an Executive Office of Relations or Complaints department to correspond to and was told there is no contact or email address that can be provided. The agent acknowledged receipt of my credit file and admitted that I was not their Customer, so I do not see how they can report this and then treat me like I am their delinquent Customer. I have never had a loan with them or Lease. I am more concerned with the crass, condescending attitude and belittling comments XXXX XXXX made and at one point actually laughed in my face ( she later said that was a Co-Worker laughing at me ). Yes, I 'm upset ; I 'm irate. They may cause me to lose my home- Please help me. This new agent who clearly did not even know the Leadership of her company, as I looked it up said I can only speak to her and she will call me back in a week? That does not seem fair or right. I would please like you to check their documented process of internal complaints and make sure this agent acted in accordance with the documented policy and procedure, as I feel I was not treated fairly and due to the disparate treatment, I now will have adverse action and this will cause a hindrance in a personal life goal of buying a home - all for a loan that DOES NOT BELONG TO ME! PLEASE help me. All I requested was a letter on company letterhead admitting what she verbally told me, that the account did not belong to me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (LA).
Issue: Credit decision / Underwriting

Complaint: I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied ..

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 Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Trouble during payment process

Complaint: We have a mortgage with Carrington Mortgage Services LLC, we have contacted them through online chat to find out why they are charging additonal amounts on our monthly loan payments and there answer was I would have to call direct to speak with a Rep so they can explain the fee 's added. In  XXXX   XXXX  we signed a Modification agreement with  Carrington M ortgage and was told we needed to go ahead and make the  XXXX ,  XXXX , &  XXXX  payments to be caught up. Each monthly payment was for {$330.00}. So we sent in  3 different checks, one for each month requested, each check was wrote out for {$330.00} each. And we have made the exact same payment amounts each month since. Carrington w ill not send us a bill direct and I also asked the online rep about getting the monthly bills/statements sent to our home, cause our lawyer even said they never recieved the bill for  XXXX   XXXX .  Carrington said we needed to mail in a request in which we have and have heard nothing back on that. Carrington has also turned into the credit beaura 's that we have missed a total   of 28  payments and in fact we missed  XXXX  and  XXXX  of  XXXX  payments then we sent in a month and half payment the accepted, which made us half month behind. The next check we sent in they mailed back to us and have rejected all payments even through us having a escrow for all our payments with our lawyer for the every month since.  XXXX   XXXX   Made  2 years since our first missed payment and we signed and paid monthly payments for  XXXX  to present of this year of  XXXX . Here is the only info I can get on our mortgage account through Carrington site as they will not send us info. And they wont explain the fee 's which are not part of the Modification agreement.   Payment informati on Loan Number :  ... ... ... ....   Next Payment Due :  XXXX / XXXX / XXXX  Total Due : {$940.00} Previous Payment Received :  XXXX / XXXX / XXXX  My further comments : ( {$330.00} of the above total is due for  XXXX / XXXX / XXXX  the rest of the total is extra with mo explanation of what it is for and why it is being charged and violates the Mod. agreement. )

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: As documented by the attached copy of Letters of Administration, I am the Court-Appointed Administrator of the Estate of XXXX XXXX XXXX, XXXX. XXXX XXXX had a mortgage loan from Bank of America ( BoA ), account number XXXX. About XXXX XXXX BoA received a check in the amount of {$8200.00} as payment for an insurance claim on account of damage to the house subject to the mortgage. BoA cashed this check without XXXX XXXX 's endorsement ( because he was XXXX ) or mine as administrator of his estate. We have a binding contract for sale of the house for an amount sufficient to pay BoA in full. For months I have requested BoA to either ( a ) send a statement confirming the payoff balance after credit for the {$8200.00} it admittedly is holding ; or, ( b ) confirm the payoff balance without credit, and send the {$8200.00} to the title company handling closing to hold in escrow to remit to the buyer upon closing upon paying BoA to total payoff amount. BoA refuses to respond. My request for resolution directed to a BoA department to which I was referred was answered with a form letter saying the matter is being investigated. My request to BoA 's CEO and senior legal counsel has gone unanswered. Copies of correspondence are attached. Closing of the sale has been extended awaiting payoff information, and is now set for XXXX XXXX. If we can not close then, the buyer will cancel the contract, and XXXX XXXX 's estate will incur significant loss.

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 02-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: PMI Cancellation request denied a second time by Nationstar when my loan is current and balance is at {$28000.00} / XXXX %. The original loan originated in 2007 for {$40000.00}. Home purchase price {$42000.00} in XXXX 2007. Home at XXXX XXXX XXXX XXXX XXXX KS XXXX. XXXX County Appraised value {$42000.00}. XXXX I understand the law says PMI must be taken off at XXXX %. That would have been when the balance was at {$31000.00}. I have paid on time, and have made upwards of {$2000.00} of extra payments towards the principle since XXXX 2007. I am a XXXX vet on a limited income. Nationstar wants me to pay for an appraisal and title search which will cost over {$600.00} which is XXXX % of my XXXX payment. As far as I understand, they have been taking PMI for some months after the law says they have to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I was charged {$400.00} twice ( {$800.00} ) on XX/XX/18 with NO AUTHORIZATION. These are not duplicate charges, as I did not make any purchase in the days leading up to XX/XX/18. I am very disappointed, and this money is important to me. Please resolve this as soon as possible. Apparently this has been a repeat issue with Coinbase. 

Attached is a copy of my Coinbase transaction records and the bank transactions in question. Unfortunately Coinbase did not offer a ticket number for my records, but I have contacted them via email ( the recommended method per Coinbase ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? <P/>Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. <P/>The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? <P/>I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX XXXX we purchased a guitar from XXXX, paid for via Capital One credit Card. 
When the instrument arrived it was manufactured incorrectly and was broken. Attempts to get the supplier to replace were ignored so I advised Capital One to credit it. This was in XXXX XXXX. Since then Capital One just keep changing their rules, a sking for the same information over and over again. I have rung them about 20 times. 1 year later still no refund. Total amount is {$340.00} USD. I am sure Capital One has insurance but they wo n't deal with the refund. My most recent contact they again asked for a report on the damage they already have had twice. i am being deliberately strung along hoping I will go away and they never reply even though they say they will respond in 90 days, they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/2015, I received a letter from Asset Acceptance , LLC about a debt from XXXX XXXX that I did not know about. I have never had utilities in my name. When I got that letter, I immediately called Asset Acceptance, and requested an identity fraud packet. I received the packet and filled it out. However, they had asked for my address history, and being that I work every day when the Secretary of State is open, I had to get it sent by mail, which took about 4 weeks to get everything situated. During that time, I was in regular contact with the company, and asked for more time, because I was waiting for verification. They extended the time period for the documents needed, and said my wages would not be garnished until the dispute was resolved. I ended up faxing what they needed on XX/XX/2015. Since that date, I have heard nothing from the company. I have tried to call them, and the representatives continue to say that it 's still in the " dispute '' stages, but they have no idea why, and I should be receiving a letter stating the reason. The only letters I have received were both in XX/XX/XXXX, stating that my case is still open, and my wages will stop being garnished until they reach a decision. My next paycheck, and every paycheck after that, my wages are still being garnished. I have tried to call the lawyer assigned to my case, a XXXX XXXX XXXX, around 20 times, and left multiple messages over a 5 month period. Not once did I get a call back. I resent all the required documents by certified mail, along with re-faxed them also on XX/XX/2015, along with a letter that if I did not hear back from the company within 30 days, I would have to take further action. I had included the fax confirmation from XX/XX/2015, so they would know I did send them the information. I also had requested a certified mail signature sheet, which I received once it was delivered. Today is XX/XX/2015, and I have not gotten one letter from this company. I have provided proof without a doubt that this debt is not mine, and my wages are still being garnished. When they were trying to collect the debt, I got multiple calls and letters, even when the account was in dispute. Now, every time I call into the company, they give me different numbers, nobody has any information on my account, and the lawyer will not answer the phone. This is completely unacceptable. I would like to know why my wages are still being garnished, after the company has stated over 3 times that they would not be, and I also would like to know why I am continually being ignored when I ask what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Around XX/XX/2017 I started receiving calls from a third party company about loan forgiveness and loan consolidation. At the time I was not informed they were a third party company that works with XXXX   XXXX XXXX. After many calls from them ( to this day I do not know the companies name because they said they were The Department of Education ) I decided to complete an application to find out if I could get loan forgiveness. I was under the impression that I would only be paying the company IF they were able to help me. They billed my credit card and I never heard from them again. So I stopped payment on my credit card and assumed all would go away. I was wrong! In XX/XX/2017 I started receiving my new bills from XXXX XXXX XXXX which prior I never even had heard of this company. So I start trying to get ahold of them. Every time I called them I was transferred to the military line and I have made multiple complaints about that. So they would have me retry the call. Working an XXXX to XXXX Monday - Friday job and them not being open after hours. I would have to call back again and again. Finally after a few months of getting a hold of them I realized they had made bad remarks on my credit report. Which prior to them having my loan I was on a Forbearance so that was another huge shocker. So I called again and again until I could get ahold of someone. Finally a lady heard me out and said I needed to write a letter to their credit department. So I did and I was denied and never called as I asked for. So I called again and was told, too bad for them sending me to the Credit Breuer. So I asked who the third party company was working with them and they denied me the information. In the last 6 years of me being with XXXX I have never had even one bad experience. So I called them for advice XX/XX/17. The lady explained my consolidation was already finalized and they couldn't help. So she gave me this information so I could possibly get help from the real Department of Education and Consumers Affairs would know how Federal Loan Forgiveness is being handled through these third party companies. Its already horrible enough to have debt over your head but to be pushed into bad credit because its handled incorrectly is unfair and un-American.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I graduated in XXXX from XXXX XXXX at XXXX with several student loans. I consolidated these in XXXX when I was at XXXX completing my XXXX fellowship. XXXX XXXX was assigned as my loan servicing company. I became aware of and was advised by XXXX XXXX that I would qualify for the " Public Service Loan Repayment Program. '' The representative from XXXX XXXX told me that I should restructure my payments and that after 120 total payments dated from the consolidation of my loans that my loans would be forgiven. They arranged a payment program that was to end in XX/XX/XXXX and that at that time I would be eligible to apply to have my loans forgiven. I was shockingly advised however by Navient this Monday that after all of these years of my paying them, that I am NOT eligible and that I would need to apply for another type of loan called a " Direct Loan '' to be eligible and that another 10 years of payments and service would be required to become eligible! This was shocking and I immediately requested speaking with a supervisor. I was told that none of the payments that I have made to date will count toward the Loan Forgiveness program as we had been told previously by XXXX XXXX. I am told there is no appeal process of any kind and that my only option is basically to start over. This is a financial blow to our family of enormous consequence. We have been planning our retirement, our children 's college education and my employment decisions around this program that I had been falsely assured I was eligible for. It is not appropriate for a company who has a financial gain to be giving misleading advice that they may benefit from while the individual doing the public service in good faith has no recourse. I found online that many other persons are experiencing this and that a lawsuit is apparently the only option for those of us who have experienced this shock. I have never sued anyone previously in my life and am writing as surely there must be some means of appeal and investigation. Please contact me at your earliest convenience to let me know what options may exist for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: Citi Bank has determined that my account is over their credit line of {$75000.00} when my total charges are {$59000.00}. I made a payment of {$36000.00} on XXXX nand they put a hold on that payment and treated it as a charge resulting in a {$95000.00} balance. This is wrong. I talked to XXXX people yesterday and am currently on hold now over 15 minutes. I mentioned your agency and that woke them up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed the error with Transunion, and they stated that the information was verified. I know this in not true because I called the XXXX myself and they stated they do not confirm Bankruptcy. After contacting Transunion numerous times about reporting a Bankruptcy on my credit report they refused to remove it without verification. The XXXX XXXX of Georgia does not verify Bankruptcies. I called and spoke with the court and she stated they do not confirm Bankruptcy to the credit bureau 's. I feel Transition is violating my rights, by reporting information that they can not verify.

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