milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On the first week of XXXX XXXX, I noticed an account in collections from AARGON AGENCY INC ( XXXX ) who was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX in the amount of {$800.00}. 

This information was disputed multiple times with XXXX and the creditor. The account is in the name of my father, who has almost the exact same name as I. He owned a house in New Jersey, where XXXX & XXXX provided utility service. Which has since fell into foreclosure and collections. 

I have never open, held, or had any type of house or utility service in the state of New Jersey. I never had an account with XXXX XXXX XXXX. This debt belongs to my father. 

I have tried to resolve this collection multiple times now without any luck from any institution.

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 12/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hi, I 'd like to file a complaint against the following company : Coinbase , Inc . 
XXXX XXXX California United States I have the following trading account username that I 've been using for trading with Coinbase / XXXX ( XXXX is owned by Coinbase ) : XXXXXXXXXXXX I have attempted to withdraw my money out of Coinbase using the XXXX withdrawal method on the following 2 days ( 2 separate transactions ) : 1st transaction : XXXX ofXX/XX/XXXXXXXX XXXX : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account by XX/XX/XXXX. '' 2nd transaction : -XX/XX/XXXX of XX/XX/XXXX -sum : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account byXX/XX/XXXX. '' None of the 2 transactions have been processed so far, i.e. nothing has arrived into my bank account and I 'm missing the funds worth of XXXX ( EUR ). Hence they are already overdue for many days with these transfers ( from a XXXX law, the XXXX transaction needs to be processed within 2 business days XXXX. 

I should say that the previous XXXX withdrawals preceding these 2 transfers have been processed on time ( crediting my account no later than the 2nd business day ). 

I have logged a support case with Coinbase on the XXXX of XXXX with the following ID : Case ID : XXXX. However, I must say that the company owing me my money has not been very cooperative and I have not received any response as to when should the money be credited to my bank account. I tried to phone their customer center but it 's nearly impossible to get an answer from anyone ( was on the waiting line for more than an hour so I dropped out ). I even tried to get in touch via XXXX accounts dedicated to Coinbase support, still no luck. 

I need to point out that there have been numerous other cases from all the other different people that have been having issues with their XXXX withdrawals from Coinbase. So I 'm not the only one. 

I 'm attaching the following : 1 ) e-mail confirmation from Coinbase re. my 1st XXXX withdrawal transaction : XXXX XXXX ) e-mail confirmation from Coinbase re. my 2nd XXXX withdrawal transaction : XXXX XXXX ) Screenshot from the Coinbase web-portal confirming that those 2 last transactions are in PENDING state on their side, i.e. they have not been processed ( note the previous transactions as COMPLETED - they have been credited to my account, so no issues with the previous ones ) : Coinbase_screenshot.png ( Date of making this screenshot : XXXX oXX/XX/XXXX ) Please help me in resolving this issue. 

Thank you, Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We had a loan with XXXX and did a modification loan XXXX of XXXX. It was finalized in XXXX and our new payments started XXXX XXXX. At the same time they sold our loan to Carrington who took over 12 months to acknowledge the legal agreement. We have made all our payments at the new rate through automatic payments from our bank. They are saying we owe over {$7500.00} and keep refusing our payment, but only at their discretion. They are threatening to foreclose, but I have provided them with bank statements verifying all the payments are current and they refuse to respond. In short they now recognize the modification, but are not correcting the misapplied funds or even explaining where the funds are located. They are deliberately dragging their feet in responding to calls and written requests. This company is dishonest and should be reviewed and afterwards be fined and/or shut down. I believe outside legal services is a must in helping to resolve this ridiculous issue that was created and continuing by Carrington. This company needs to be investigated for misconduct and unethical/illegal l practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Closing/Cancelling account

Complaint: Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with ERC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A company called XXXX XXXX XXXX has put derogatory marks on my credit report for the amount of {$950.00} dollars. I have never heard of or dealt with this company ever before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I sent a piece of certified mail to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received by BANK OF AMERICA on   XXXX   XXXX  , 2017.. This demand letter for specific validation was never responded back to within 30 days of receipt of my certified letter. BANK OF AMERICA is in violation of my rights under the FAIR DEBT COLLECTION PRACTICES ACT. I then sent a certified letter back to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received on   XXXX   XXXX  ,2017 informing them that they did not respond back to my direct validation dispute and they are required to remove this from my credit immediately. Currently BANK OF AMERICA is still on my credit and they will need to remove this trade line from my credit immediately.

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 12/16/2015 about Debt collection (I do not know) with DTA GROUP LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been receiving calls from a XXXX XXXX and several other names on my cell phone, work phone and home phone. They leave messages that they are looking for me and will file action against me, but do n't describe for what reason. I researched and found that they are locators for the DTA Group, a debt collection co., for Pay Day loans. I have never had a payday loan nor do I owe outstanding debts. I have a high credit score. One phone call even stated my ss number on the message. This harrassment has been going on daily for over a month.

Company response to consumer: Untimely response
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was in forbearance with Navient from XX/XX/2011 to XX/XX/2011 and they reported a 30 day late payment in XX/XX/2011. This is incorrect and they are hurting my ability to use my credit and need to fix it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: A few weeks ago I submitted a complaint regarding Navient and the problem I was having with getting my student loan interest rates to the agreed upon rate when I reentered the rate reduction program. Navient responded and said that they were at fault for the failure to submit my paperwork for the ratereduction in XX/XX/XXXX when we spoke and did so in XX/XX/XXXX and agreed that all but one of my loans would have  an interest rate of 3.5 %. They also agreed to make sure that the interest that I acquired under the higher rate would be decuted from my balance. That was done to 2 of my 3 loans. Today when I logged into my account to make sure that everything was right I noticed that my loan ending in XXXX still has an interest rate of 4.25 % instead of 3.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The lender is  XXXX  which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of  XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to  XXXX  which claim was a supervisor on  XX/XX/XXXX  at   XXXX   XXXX     XXXX   and asked him why   XXXX   XXXX   is reporting a false balance and he said because   XXXX   said it.
I told  XXXX  it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -   XXXX   and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from  XXXX  and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). 
On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 
2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I was one of those people who was talked into opening an account with Wells Fargo. The account was called a PMA. I opened it because it was n't going to cost me anything and the banker was local and nice. After the scandal hit, I went into the bank and closed the account. What was n't mentioned to me when I closed it was that since, under the PMA, my statements of my several accounts were all combined, the on-line statements for my main checking account ( which I 've had for over 30 years ) would disappear from on-line. I only saw this when I went into my main account to check some figures for my XX/XX/XXXX income taxes. There are no online records for XX/XX/XXXX, XX/XX/XXXX and the first four months of XX/XX/XXXX. After talking by phone with five different departments, I was told that while they might can send me hard copies of those records, they can not restore them online. This is outrageous and directly connected with their account-opening deceptions.

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 11/30/2015 about Mortgage (Home equity loan or line of credit) with Statebridge Company (IL).
Issue: Loan modification,collection,foreclosure

Complaint: we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Managing the loan or lease

Complaint: I have an installment loan with Cash Central. It was advertised to be like a payday loan with no credit check. I was in a financial bind and made a horrendous decision taking this loan. I am now in the trap of high interest and long term repayment. I am going to do my best to get this paid off in the next 90 days. 

My complaint is I was assured that as long as I was in good standing on repayment that it would n't be reported to the credit bureaus. Well, it has been. Now it shows as a debt and impacts my DTI due to the high payment. I am sickened by this. 

Do I have any recourse? They have me in a trap with the high payments & interest rate and are now destroying my credit rating all because I bought into their predatory advertising. I am so upset & dismayed with what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with XXXX XXXX in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by XXXX XXXX stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, Midland Funding collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping Midland Funding from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My report is showing XXXX names and addresses that are not me..I have never lived in those addresses

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 08/17/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a collection account with  Cavalry Portfolio  for a bad debt and negotiated for it to be paid to remove. I have files several disputes to no resolution and it it staying on my account as a collection and not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 Bank of America had a promotion filter on Snap Chat. It appeared to be a picture of a donkey that would face swap with the user and the donkey was holding a mobile phone with a Bank of America logo shown on it. My problem with the filter is that Bank of America did not disclose itself as an " Equal Housing Lender '' but notified a user that is was a member of the FDIC. Is Bank of America no longer an " Equal Housing Lender '' and discriminating? After seeing this I would probably not open an account there or apply for a refinance and I am currently in the market for a new Bank as I believe XXXX has significant UDAAP violations that are not being addressed through the complaint process. In addition, I am confused by the filter advertisement - is Bank of America announcing that it is filled with a bunch of Donkeys? A picture of the Snap Chat filter is attached to this complaint for reference purposes.

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