milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ON XX/XX/XXXX I DISPUTED AND ACCOUNT WITH XXXX AN ACCOUNT FROM RENT RECOVERY SOLUTIONS Account name RENT RECOVERY SOLUTIONS XXXX, GA XXXX XXXX Address identification number XXXX Account number XXXX Recent balance {$1300.00} as of XX/XX/XXXX Status Collection account. 
{$1300.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX RENT RECOVERY SOLUTIONS WAS NOT ABLE TO VERIFY THIS ACCOUNT AND DELETED IT FROM XXXX AND LAST WEEK ON WEDNESDAY XX/XX/XXXX IT CAME TO MY ATTENTION THAT RENT RECOVERY SOLUTIONS ONLY DELTED THE ACCOUNT FROM XXXX BUT CONTINUED TO REPORT THIS ACCOUNT TO XXXX AND XXXX I CONTACTED RENT RECOVERY SOLUTIONS ON WEDNESDAY XX/XX/XXXX AND INQUIRED ABOUT ACCOUNT NUMBER XXXX THEY COULD NOT FIND SUCH ACCOUNT I SENT A REQUEST FOR DELETION TO XXXX ON THAT SAME DAY ( please attached document ) AND ON SUNDAY I WAS ABLE TO AXCESS THE DISPUTE PAGE FOR XXXX AND ALSO SENT A REQUEST FOR DELETION OF ACCOUNT XXXX XXXX RESPONDED IN LESS THAN 24 HOURS WITH A RESOLUTION AND DELETED THE ACCOUNT FROM MY CREDIT FILE THAT STILL LEAVES XXXX RENT RECOVERY SOLUTIONS IS NOT ONLY REPORTING AN UNVERIFIED ACCOUNT BUT ALSO AN ACCOUNT THAT IS WAY PAST THE STATUE OF LIMITAIONS ACCORDING TO THEIR OWN RECORDS RENT RECOVERY SOLUTIONS SHOULD BE REMINDED THAT REPORTING UNVERIFIED INFORMATION AND OR ACOUNTS PAST THE STATUE OF LIMITATIONS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681 et seq AND THAT SUCH VIOLATIONS MAY CARRY PENALTIES THIS UNVERIFIED AND PAST THE STATUE OF LIMITATIONS ACCOUNT IS NOT ONLY HURTIN MY CREDIT SCORE BUT IS ALSO DELAYING MY CLOSING ON A MORTGAGE LET BE KNOW THAT THE DAMAGES OF THEIR NEGLIGENCE BY CONTINUING TO REPORT THIS UNVERIFIED ACCOUNT COULD BE SUBSTANTIAL AND LEGAL ACTION MAY TAKE PLACE I AM INCLUDING DOCUMENTATION THAT SUPPORTS MY CLAIM THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action. 

For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request. 

If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son. 

Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX. 

Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.

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 07/17/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This case has been going on for 20 years, there is NO debt that they, attorney   XXXX   XXXX   XXXX   and the company   XXXX   XXXX   XXXX  , as debt collectors could have EVER attempted to collect and have failed and refused to produce the original documents from the alleged XX/XX/XXXX  judgment of {$4000.00}. Since this debt was settled paid in full in  XXXX , TWO YEARS BEFORE the alleged filing of the claim, they can not have a claim without their admitted CONTINUING EXTRINSIC FRUAD with the presumptively inadmissible product and evidence of admitted fraud and now attempts to collect {$13000.00}. In earlier rulings by the court involving   XXXX   XXXX   XXXX   (   XXXX   v.   XXXX   XXXX   XXXX   ), numerous

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Mortgage) with TCF NATIONAL BANK (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
31 F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO XXXX AND XXXX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

203 T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT S/B/ DISCHARGE UNDER H.A.M.P.2MP MODIFICATION BY 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 09/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX I opened a dispute with Bank of America on a payment I made online with my checking XXXX XXXX, XXXX to the Ma XXXX XXXX XXXX my payment of {$320.00} for dental insure was to be made by XXXX XXXX, XXXX. For some reason the XXXX XXXX had been cancelled on XXXX, XXXX and the customer service dept XXXX was unable to fix it. I told the XXXX XXXX that I needed a refund if my insurance was cancelled and my payment was for XXXX and XXXX they said to file a dispute with my bank. Which I did on XXXX XXXX Bank Of America gave me a refund of {$320.00}. They said an Affidavit would be mailed to me in the next week and that I needed to fill it out and send it back which I did the first week of XXXX to XXXX. O XXXX XXXX I had a message on my phone saying they had not received my paper work yet. I called the claims department at XXXX pm I was on the phone with a lady in claims she said it would be best to have her fax the page to me and for me to fill it out again and fax it back which I did to XXXX I used my access line with XXXX I had a copy of the fax and it says received.I was told the claim was all set as long as the merchant did not dispute my claim which they did not they had given me a reference number XXXX that would pull up the credit. On XXXX XXXX I got an email notification that my account was over drawn by {$400.00}. I thought we were victims of fraud but I was told that they took back my credit of {$320.00} because I did not send back the affidavit which I had done over a month ago. XXXX in the Claims department was rude told me too bad its done and that they do Not ever reopen an investigation that it was my fault?? I told him I had proof and could sent them the fax report he kept arguing with me I demand a Manger and was transferred to XXXX he asked me to fax the affidavit to him directly at XXXX which I did as soon as he re faxed the paper to me. XXXX told me to call back Wednesday XXXX XXXX. I did at the number he gave of XXXX turns out to be a general number for the claims department. I spoke to a XXXX and she said they ca n't help because I have still not faxed the affidavit back? I told her the number XXXX gave me and she said that it was wrong had no idea where he got that she said to fax it to XXXX which I did. Meanwhile that bank has returned XXXX automatic payments from my account and bounced 11 items from XXXX XXXX. It 's XXXX am and I have spoke to two supposedly mangers at B Of A claims and they are claiming that I have not faxed them yet and when they received my fax it will take them two days to look at it i the meantime they said I will continue to have bounced fees. XXXX in XXXX said she is just an account Manger and unable to assist 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 monetary relief
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: Hello, I initiated a wire transfer from my U.S. based bank last Thursday ( XX/XX/XXXX ) and received confirmation that it was successful on Friday, XX/XX/XXXX. 

The reason I initiated the wire transfer is because I thought it would Be faster according to the coinbase website. However it 's taken just as long as an ACH transfer Would have taken ( although funds are still not in my account ). 

When I called about this initially on Monday I thought I had given plenty of time, and the institution rep also agreed. She stated that she saw the funds but would need someone in processing to " manually '' place in my account. I asked for a transfer number and she stated that once I reported the ticket, I could not call in to speak with anyone, and that my only recourse is to contact them via email. 

That 's fine, however they do n't respond back to emails for several days at a time. Unfortunately, this has cost me more money then I transferred due to the changes in Bitcoin prices. The company is called coinbase and they are under federal regulations, but this financial institution has processes in place to directly prevent customers/clients from being able to speak to someone. 

While they have my money they are collecting interest on funds that should be in my possession. 

Unfortunately, I learned of this companies inability to cope with their current customer demand too late and have now suffered a fate of uncertain action. Maybe I 'll get my money? Maybe I wo n't? But this company would rather not deal with customer complaints. 

This was a u.s. to u.s. wire transfer with a successful confirmation number. Is it legal for a company to hold your wired funds for a long period of time that they determine? Is it legal to put processes in place that prevent contact by customers/clients? 

There are thousands of complaints against this company for holding customer funds for no reason. 

Please investigate this firm!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have lost my job and do not make any meaningful money to pay the exorbitant mortgage. I have contacted Astoria Federal many times for assistance and modification but they always refuse to modify my mortgage. I was once given a reason that Astoria Federal do not conform to Federal Regulation and are not obliged to help me in any way. I have lived in my house since 2001 and my children and the entire family love our family home, community, schools, and church. I can not afford to loose this house and we love to continue living in this house. It has become our sacred home. Currently, Astoria Federal has increased our months payment from {$1900.00} which was incredibly difficult to bear to {$3300.00}. Efforts to modify and lower the monthly payment of {$1900.00} has been denied four times, but rather increased to {$3300.00}. Astoria Federal is just taking advantage of us financially and extorting. All efforts to modify or alternative assistance has been denied by Astoria on four consecutive times. I therefore write to request that my mortgage be modified as I lost my job and do not make meaningful money but my wife 's income is substantial to work for the modification. I ask that Astoria Federal work with us so that we can continue live our home and do not become homeless as the children are scared of becoming homeless now. 
Mortgage Company Information : Astoria Federal Bank Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX9242Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Previous complaint ID :   XXXX   Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my   XXXX   XXXX   , which is where I get my mail.
I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment.
New complaint.
That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on   XXXX    XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank.
I have been doing research and the company has a long history of such practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Consumer Loan (Installment loan) with Westlake Services, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: I 've applied for multiple lo a ns over 5 months o n ly when I can find on who does do a hard inquiry, I applied from my account with score that said I had a fair c hance. My installment loan company Wilshire consumer credit is charging 77.4 %. Thi s is straigh t out rip off. I 've paid mypayment agreed to contract. I need a personal loan for a lower rate to cover that loan and other debt that are mine..the correct portion. I 've asked the lo a n companyif we can lower interest. They have told me no, or other time ignore my question. I 'm upset th a t they c a n legal keep the interEST up even though I paid and in good standing. I wish I 'd never got the loan. It doing me harm. XXXX h a d me down XXXX loans, now they have XXXX open and I a sled Wishing to correct I t, I never received any call to do the process it 's been 3 mon t h. I only have XXXX loan under XXXX. They have me do for almost XXXX 

Help where or what do I do. I need the service I deserv. My next case is going against all XXXX credit bureaus for not verification of debt they put on t he record .... 

I wish I knew what to do next. This has done damage to my choice to be approved for a lo a n to pay debt and re pair it, the more stuff that identity theft shows up I 'll never get out of it as n buy a home. Renter f o r the rest o f my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have asked Sallie Mae numerous times to stop harassing me. I have been threatended by several Sallie mae agents that i can face federal prison, I can be arrested at my place of work and that I can be sued in court. They have called the Senior Vice President of my Company, My sister-in-law, they have left voice messages on my direct supervisors phone and my home and cell phone. They have even sent fax messages to my office. I have developed severe anxiety and have told them that I am unable to make any payments of any kind to my loan. I 've provided my financial information and monthly budget to prove that I cant afford payments, yet somehow they think that I am still capable of paying loans with a monthly income of {$1600.00}. I have given them the break down of the cost of rent ( $ XXXXmonth ), insurance/medical costs ( $ XXXXmonth ), Utilities ( $ XXXXmonth ), Electricity ( $ XXXXmonth ), Winter heating ( $ XXXXmonth ) gas/transportation ( {$75.00} ), phone bill ( {$100.00} ). At the end of the month I have {$55.00} dollars left to pay for groceries, clothes, home toiletries, cleaning supplies, feminine products, and laundry. I do n't understand how they think I can make $ 300 monthly payments. They have disregarded my request for them to stop harassing me, my co-workers, my supervisor and family members. In the state of Vermont, I apparently make too much money to qualify for welfare, subsidized housing or food stamps. I feel like I 'm drowning in a hole. Most if not all of my student loans are in default which has plunged my credit score to XXXX. I ca n't afford to buy a car. These student loans have deeply affected my mental health, quality of life, self confidence and faith. At this point I do n't know who to talk to about this. I do n't even know if anyone is actually reading this paragraph but I feel helpless and unprotected. My biggest mistake in life was attending a university. I would have been better of going to a community college. Also, your drop down options only allow me to check XXXX box. I need to check off XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.

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 04/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow payment increased from roughly {$330.00} a month to {$410.00} a month while my taxes/ homeowner insurance have stayed the same. No XXXX at ocwen has been able to tell me why or tell me where my money is going. They tell me someone will get back to me and they never have for 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: We have on multiple occasions asked for a complete accounting on our loan, see previous complaints. We have hired 3 different companies in an effort to get a loan Mod and our mortgage company has never helped us. We were forced to file for bankruptcy to save our home, but the bankruptcy has put us in even further financial distress. We have made lump sum payments to our mortgage company of over {$100000.00} and our loan has only increased. When I look at our payment the money has been applied to " other '' and minimal amounts have actually been credited to principal, escrow or interest. Our interest rate changes are not calculated in a timely manner, and escrow charges do not make sense. I have not been able to get any assistance. Now, we face a sale on X/XX/17. XXXX, XXXX, XXXX is the Trustee, although we never received a new NOD and did not receive the notice of trustee sale in the mail. I also can not find any information on the site it stated I could find information. XXXX, XXXX, XXXX is listed as the lender on a different site where I did find information about our trustee sale. I am so confused by all of this, I do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: My citi prepaid/debit card expired and they will not reissue the money or replace the money.

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 02/22/2018 about Payday loan, title loan, or personal loan (Installment loan) with Green Trust Cash, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$700.00} on XX/XX/XXXX I have made 2 XXXX Payments on XX/XX/XXXXand XX/XX/XXXX. I called to pay off the loan on XX/XX/XXXX. They said the pay off is {$880.00}. I asked how it could be that much if Ive almost paid {$400.00}? They said every day collects interest and I wont start paying for the loan until XX/XX/XXXX. This is crazy. I am willing to pay back. The loan but not that much!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency is attempting to collect on a debt that is the result of goods not received. Please see attached letter explaining my position.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Auto) with STONELEIGH RECOVERY ASSOCIATES, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call and was not able to answer at the time. The company left a voicemail stating that they are a debt collector and that was the reason for the call. It is a violation of privacy as others heard the voicemail, as well as humiliating for my co-workers heard. It is none of their business and now everyone is aware I have a debt in collections. I have never spoken witht his company previously regarding the debt, ( I assume they just received the account ). There was no attempt to verify my identity before leaving a voicemail that completely violated my private information/debt owed. My complete humiliation could have been avoided if they had left a generic voicemail for me to return the call, then discussed the debt upon my returned call to ensure the chance for me to discuss the matter privately and not publicly.

Company response to consumer: Closed with explanation