milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Money was not available when promised

Complaint: sold 15 lightcoin on XX/XX/XXXX for a total XXXX. Funds are missing and not deposited as promised on XX/XX/XXXX I have email coinbase numinous times for an update I have not heard anything on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with MRS BPO, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Adjusters, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My account was disabled with Navient.
After calling in I was told not to worry my loan was paid in full in XX/XX/XXXX.
In XX/XX/XXXX I realize they are still withdrawing payments from my bank account.
I ask them to please stop several times. I try to log back into my account but it still says account disabled.
It 's ridiculous that an organization like Navient, who I have given tens of thousands of dollars to continues to take from my account when there is no debt to be paid back.
It feels like they are intentionally setting people up for things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After viewing my credit report, my son made a payment to take care of my medical debt that went into collections mid last year XXXX. 

There were 2 collection companies : Choice Recovery and XXXX XXXX. 

Payment made XXXX/XXXX/XXXX for {$57.00} then the remaining balance XXXX/XXXX/XXXX for {$53.00} to Choice Recovery. 
and One time pyment made XXXX/XXXX/XXXX for {$56.00} to XXXX XXXX XXXX XXXX. 

Viewing my credit report, XXXX XXXX still has my account with an open balance when it 's been paid in full XXXX/XXXX/XXXX. ( Opened XXXX/XXXX/XXXX and Reported XXXX/XXXX/XXXX ). 

Choice recovery should be removed/deleted please ... as agreed upon prior to payment was made XXXX/XXXX/XXXX. This was a 3-way phone call, since my son was making the payment over the recorded conversation via telephone. 

I am viewing my son 's bank statements as of XXXX XXXX, XXXX and my credit report as of XXXX XXXX, XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (IA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX XXXX from this number. They may have tried to use other numbers but left no messages. 

I even blocked them but they continue to leave messages.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX agreed to remove me from their database and not to wait 5 years, if my banks XXXX XXXX. and Citi Bank intervene and tell them to remove me, since I payed the balance of {$330.00} to Citi Bank and {$850.00} to XXXX XXXX. However, nobody took steps into correcting this and removing me from the database so I can get my life back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I was conversing with someone from XXXX on 3 tickets to the XXXX XXXX game on XX/XX/XXXX. We emailed back and forth regarding procing. I got a request via Wells Fargo from his account ( name and number of requested included in this request ). I sent the money and tickets never came. Then email responses stopped. I called the number that I got via XXXX and the person who picked up said they never posted an ad about tickets. He claims identity theft. I called my bank and told them that he money was transferred to an account via there app. They refused to help.

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 11/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: i made an atm deposit at chase in the amount of {$470.00} however there atm machine decide to change it to {$170.00}. transaction was made at XXXX on XX/XX/2016 AID # XXXX, XXXX fl atm XXXX. 

when i called them regarding this they routed my call to a foreign country who said they were going to assist me but instead they transferred me back to the customer service que and then to a XXXX survey without a live body coming back to the line. when i called right back from the same number they then pulled this we can not hear you XXXX.should it really take XXXX calls to get someone to help me? when i finally got a usa based supervisor on the phone they were unhelpful and refused to look up the transaction even though i gave him the number. what i do not understand is how i can clearly see the check for {$470.00} on my atm receipt and should also be able to see it online in my account yet they refuse too use there own technology. I want the missing {$300.00} credit today and a letter of apology for there offshore reps being so rude

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At XXXX on Wednesday, XXXX XXXX, 2016 I got a voice mail message from someone who identified herself as XXXX XXXX XXXX She left a number to call her back and a reference number, but there was no further information about why she was calling. 

I returned her call around XXXX the same morning as she was quite aggressive about the time line in her voice mail. 

When I called I gave my name and reference number from the voicemail and was put XXXX hold for about two minutes. When the person came back on the phone they stated that they will calling about a pending case in XXXX XXXX XXXX and asked if I had ever heard of XXXX XXXX XXXX. I asked for the persons name and was told it was XXXX XXXX. She again stated that she calling about a pending case in XXXX XXXX XXXX. I stated that I needed a debt validation letter and she became angry and yelled that this had been through XXXX different collection agencies and since I was being difficult she would be putting the paperwork to garnish my wages and then said she would be taking 35 % of my paycheck and that since I worked for the government " good luck with that. '' And then hung up on me. 

I called back and the same woman answered the phone, I asked her to spell her name and she said in a very sarcastic way " XXXX, like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked " are you the owner of this company? '' and she said " hang on '' and put me on hold. Another person came on the phone and asked me to identify myself, I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company, Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX, XXXX, Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call, but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically " good luck '' and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On Wednesday XX/XX/2016 I checked my credit on XXXX and t total of XXXX hard inquires and XXXX collections were removed from my report. I check my account again XX/XX/2016 and all XXXX hard inquires and XXXX collections were placed back onto my report without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion at least once week since then to try to get this issue resolved and have received no help, no one will transfer me tor connect me to american representative or the fraud department, multiple agents have been belligerent, some have even told me they know what happen but it 's basically too bad and that i should just file a complaint because they will not fix the issue.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On Equifax report, it shows a name other then mine. A name i NEVER used.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing on a mortgage

Complaint: I took out a home loan to purchase my house at XXXX XXXX XXXX, in XXXX XXXX, CA XXXX and requested a loan modification according to HAMP to lower my payment and have still no received a reply. According to my attorney many documents have been falsified and I would like a copy of all documentation per the FDCPA and this Qualified Written Request ( QWR ) from my Account regarding all documents I am entitled to per RESPA and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America found out I am refinancing my first and second mortgage with a mortgage company by receiving a payoff statement. They have added an " expedited payoff service fee '' of {$30.00} to each mortgage statement for my XXXX bill. I have not received any documents from the mortgage company or any other closing documents yet! Can Bank of America add this {$30.00} fee, now?

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached and I believe I could be a victim of their incompetence as an organization. I, along with millions of other Americans should not have to deal with the repercussions of this companies mistake. I have applied to XXXX to try to see if there was some option as to locking my credit. Luckily there was and I proceeded to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AK).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My student loan is currently in an education deferment with  Navient,  formerly known as  XXXX   XXXX . I initially took the loan out   XXXX   for an amount of {$22000.00} and there is currently a balance of {$13000.00} on the account. The loan is an education deferment as I have just completed my  XXXX   XXXX   XXXX  in   XXXX   XXXX   at the University   XXXX   XXXX   and am continuing on to complete my   XXXX  . in   XXXX   at the University   XXXX   XXXX  . My issue is with my creeping interest rate. Currently, the interest rate on this loan is at 9 % after Navient, again, has increased the rate. They have increased the rate steadily every few months recently, outpacing the  LIBOR r ate, which they claim to use as their baseline when I called to inquire about this. I called  Navient o n   XXXX   XXXX   XXXX   and was told my interest rate was variable, based off of the  LIBOR rate and my credit score. When I pointed out that my credit score has increased greatly since the loan was taken out, I was informed they only look at my credit score from the day I  took out the loan. Given this, the variable interest rates marginal variation should only be based on th e LIBOR rate, w hich is still positive, but marginally decreasing, meaning it is moving in the opposite direction of my loan interest rate. I have had previous issues with Navient/  XXXX   XXXX   when they advertised special repayment benefits for military members. I served  XXXX  years  XXXX   XXXX  in the  XXXX   XXXX . When I called to inquire about these benefits, I was told that my service did not count as  XXXX   XXXX  and I was not entitled to these benefits and that soldiers are only  XXXX   XXXX  when they are overseas, otherwise, they are part of the reserve. As a  XXXX  veteran, I gave some of the best years of my life to serve in whatever capacity my country needed me to and it is very frustrating that, as I am trying to use my benefits to further my education, I am being told that this company can arbitrarily increase my interest rate with no limits. When asked why I did not receive notification of my interest rate hike, I was told that because I am currently in school, they  may no t let me know when my interest rates are changing. The representative went on to read the interest rate increases that have occurred recently without my knowledge as if it was a justification for the current hike. I understand how the  LIBOR work s, but no other lender is trying to extort me this harshly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: I was charged by Bank of America for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Auto) with Jana Ferrell & Associates LLC (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: SEVERAL ISSUES JANE FERRELL AND ASSOCIATES ... DID NOT GIVE ME FDCPA NOR MINI MIRANDA WHEN I CALLED.. THEY THREATNED TO TAKE ME TO COURT WHEN THEY HAVE NO PLANS TO.. THEY CAN NOT DO THAT.. AND THEY ARE ALWAYS SUPPOSED TO READ ME MINI MIRANDA AS WELL AS FDCPA.. THEY DID NOT TELL ME I COULD DISPUTE IT AS WELL.. I WAS GIVEN NO OPTIONS.. THEY ALSO DID NOT TRY TO TAKE TH ELAST PAYMENT THEY ARE CLAIMING THEY DID .... I DISPUTED IT AND THEY EVEN CAME BACK AND WERE RUDE AND DISRESPECTFUL IN THE RESPONSE FROM XXXX ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I PURCHASED A CAR THRU XXXX XXXX XXXX IT USED SANTANDER CONSUMER USA TO FUND THE LOAN ... I HAVE BEEN CALLING THIS COMPANY FOR THE LAST 4 MONTHS INORDER, TO RECIEVE A CURRENT STATEMENT ON MY VECHILE LOAN ON A MALIBU CHEVY CLASSIC XXXX I BOUGHT THE CAR BACK IN XX/XX/XXXX STILL MAKING PAYMENTS.. MY ACCOUNT IS CURRENT AND NO FEES OWED ... THEY STILL KEEP LYING ABOUT MY MONTHLY STATEMENTS ..I HAVE TALKED TO MANAGERS.. ECT.. NO HELP I BELEIVE, I HAVE OVER PAID THIS CAR LOAN.. THE CAR SOLD FOR XXXX AND I AM STILL PAYING ... THEY '' SAY I NOW OWE XXXX '' BUT THEY WILL NOT SUBMIT AND CURRENT STATEMENT TO ME AND KEEP LYING SAYING THEY ALREADY SENT IT SINCE, XX/XX/XXXX ... AND I STILL HAVE NOT RECIEVED NOT ONE, COME ON ... THEY ARE RUDE AND MAKE YOU FEEL LIKE YOU ARE THE PROBLEM THAT NEEDS TO GO AWAY ...

Company response to consumer: Closed with explanation