milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Debt collection (Credit card) with Nelson Cruz & Associates LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with North Shore Agency, LLC (MA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Date : X/XX/2017 called to the XXXX XXXX XXXX XXXX for a debt I owe but the lady from the XXXX XXXX XXXX was very rude to me I want to negotiate the amount in the past bill but very pushy and a bully to me, I told her that I live in a XXXX XXXX with my children who has XXXX but did n't care, she want the money from me which I do n't have in the moment I want to make settlement for XXXX which is 80 % of the amount of XXXX of the XXXX and also another settlement for XXXX for my husband 's XXXX XXXX bill as well but again very rude and unprofessional. 

I just to pay my debts off with respect not be harassed in the phone. 

please we need help to pay our debts fast as possible. 

thank you.

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 06-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My company sends my information slow to a lender. They see how much I get paid or how much I have in my account and decide how much to lend me. They have sent my information slowly and the company wo n't lend me any more 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 explanation
Consumer complaint received 03-11-2016 about Debt collection (Payday loan) with Red Cedar Services, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: In XXXX I took out a payday loan online with 500 Fast cash. The loan was for {$250.00}. My {$75.00}. Payment was to be debited on the XXXX of each month..Everything was fine until XXXX, XXXX when my payment was not taken out. I called XXXX and it just rang. Called several times later that day and for weeks after and still no one answered the phone. I emailed a letter asking why my payment was n't taken and emailed it to customerservice @ 500fast cash.com..I never received an answer. I repeatly tried to call still no answer. I then faxed a note stating I hereby do not authorize my bank to pay them in the future. I was afraid they would debit my account an exorbitant amount. Still no communication. If I had an address for these people I would have sent a certiief letter but apparently they do n't stay in XXXX place long enough. Months later I started to receive extremely harassing calls from a male who I could barely understand screaming that a policeman would be at my door soon and I had better make a payment. He never mentioned what and who this was about and I screamed back and hung up on him. He called again and did for a few hours. Time went by and he started again. I did go to the police dept. but of course these scammers are hard to track down. This went on intermittently over the years when they starting call in my brother 's house whose name I gave as a reference. I was living XXXX at the time my address had n't changed, neither had my phone number but they harnessed my brother to this day. 7 years of harassement. I moved from XXXX and my brother told me he has gotten calls from a company called XXXX XXXX XXXX from XXXX XXXX. I called him yesterday XXXX/XXXX/XXXX and me told me I owed over {$400.00} from this loan and he thinks it might be because of a bad check. The money was taken out of my account until XXXX XXXX, XXXX when that stopped. I told him exactly what happened and I also filed for bankruptcy in XXXX. He said they will sue me still for the check and I would incur many times over what was originally owed. I have this figured out. They take out the payment for a while and then stop. I could not reach them In any way possible and then they send the scammers after me. I called my lawyer and his secretary told me coincidentally another client called her yesterday about the very same agency..If I could afford a protracted lawsuit I would love to out these vultures out of business..I kept every piece of correspondence from me, emails, copies of problems other people have had with these people. I also have copies of my checking account showing the debits all paid until XXXX when no debit was made. I think this has to be dealt with seriously. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing

Complaint: INFORMATION IN THIS ACCOUNT IS INNACURATE. 
WRONG COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with POPULAR BANK (OH).
Issue: Struggling to pay mortgage

Complaint: I applied for loan modification to XXXX XXXX XXXX at XXXX Box XXXX, XXXX XXXX, FL XXXX. The bank denied my application for not responding although I had called many times and I sent application documents XX/XX/2018 after receipt of the application documents via email XX/XX/2018. 

XXXX XXXX XXXX  mailed a letter dated XX/XX/2018 for denial of loan modification application, of which envelop was stamped XX/XX/2018, and reached me XX/XX/2018. 

The letter states they do not accept appeal after XX/XX/2018 when the letter was mailed one day before the due date for appeal from Florida which takes at least 3 days to reach me. 

Since they did not accept my one month payment when two month delay and said they mailed the application document on the same day they sent email but the documents did not come via land mail, it seems the letter was intentionally mailed to reach me after expiration date for appeal. 

This is so unfair business conduct as a bank, operating in the U.S.A. It seems they are trying to foreclose when there is a good chance to correct the situation instead of actually help stating in an inserted a letter 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 08-04-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I requested an Escrow Analysis because my mortgage payment increased. The increase was due to higher taxes and insurance which I understood, however, the company said they were " allowed '' by law to invoice for more than what is actually owed for escrowed items effectively allowing them a cushion of extra funds in my escrow account. I expressed to them verbally that I can not afford anything over and above what the actual charges are. In XXXX XXXX, I once again requested an Escrow Analysis and was promised I would receive one by no later than XXXX/XXXX/XXXX. To date, I have yet to receive my Escrow Analysis but I have received a notice of intent of default and intent to accelerate, presumably because I am not paying the invoiced amount and now I have incurred late fees and additional charges. My son was diagnosed in XXXX XXXX with an XXXX and the XXXX of this situation is very hard on my son and me. I would so greatly appreciate any assistance you can provide. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AE).
Issue: Money was not available when promised

Complaint: On XXXX XXXX I wired {$4900.00} from XXXX to Coinbase. Coinbase sent an email back an hour later claiming the wire transfer was rejected because the senders name did n't match the name on the Coinbase account, and that the money will be transfered back into the senders account within 3 days. I Called XXXX and sent an Amended wire transfer shortly after the initial Coinbase rejection email. Today is XXXX and I have n't heard from Coinbase yet. I 've sent 2 help tickets a few days apart from each other, and I sent an email to them today informing them to deposit the money back into my XXXX. The only reason I have't called is because I hear the wait time is hours long. I 'm in XXXX living on a military installation, and do n't want to pay exorbitant phone fees just to be disconnected after a 2 hour hold. 

The sender 's account is mine, and the Coinbase account is my wife 's. My wife is also linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: 1. I opened a mortgage, savings, and checking account with Bank of America in XXXX 2. At that time there were no fees for the accounts I opened. They were very simple accounts. 
3. At some point, I remember XXXX - they changed my accounts to a higher level but it carried fees 4. I called them about those fees and they said do n't worry, you 'll be covered. 
5. I paid off my mortgage in XXXX. Checking my accounts I find they charged me repeated fees in XXXX, XXXX, and XXXX. 
7. I called Bank of America to get those fees reversed because their representatives had told me the fees would not occur anymore. Spoke with XXXX ( Rep, no employee ID ) and XXXX ( Manager, employee number XXXX ). They were unwilling to reverse the fees so I asked to speak to XXXX 's boss - XXXX. 
8. I closed my accounts with Bank of America because I feel it is dishonest to charge for reason of an upcharged account I never asked for to begin with.

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 11-05-2017 about Debt collection (Other debt) with Millco Management (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is showing on my credit report several times please have this loan verified. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was  XXXX . I disputed this collection on two separate occasions for the  XXXX  credit bureaus and my collection was successfully removed without paying anything. On  X/XX/2017   , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n  X/XX/2017    and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.

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 01/26/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other service problem

Complaint: On XX/XX/XXXX, I submitted a ticket to Coinbase. The company has a vault feature where they will hold funds until two separate email addresses approve the withdrawal into the normal fund account. I submitted a ticket because my secondary email address was not receiving the email to approve the transaction. I've called twice while waiting over an hour to get a human response on both occasions telling me they couldn't do anything. The tickets that I have on file continue to be updated with the generic/robot answer saying they are working on it. It has been one month that I have had to sit idly by and not be able to touch my funds. The company is absolutely inept and incapable of fixing even the most simplistic tasks, while also continuing to take on millions of customers they can not provide customer support to. I have not had access to my money/crypto-currency for over a month. They refuse to reset my account in any way shape or form and I need access to my money they are holding XXXX. I am at my wits end with having zero customer service and month long waits on having a simple account reset.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Non-federal student loan) with Forster, Garbus and Garbus (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My Daughter XXXX XXXX, had XXXX student loans with XXXX XXXX. I co-signed XXXX of the loans and my daughter failed to pay the loan back and a collection agency called XXXX in NJ was hired to collect the money. The collection agency without telling me decided to combine both loans and put a judgement/lein against my house. I feel that combining both loans with only my name on XXXX of them should not have been done. Because of that, I had to put up {$45000.00} in escrow so I could sell my house. The loan went from XXXX XXXX to XXXX and they hired their own collection agency called Forster, Garbus & Garbus, which seperated both loans as they should have. I contacted them and I settled the loan with my name as co-signer, with them on XXXX XXXX, 2015. I have been trying since then to get a warranty to satify judgement document to send to my attorney to release my {$45000.00} funds in escrow. I have contacted numerous people so many times and left voicemails hoping to get the documentation and no one returns my phone calls. I called XXXX hoping to get some answers and was told that the collection agency did not report any information about Loan settlement. I am reaching out to you as a last resort hopefully to put some pressure on them so they can treat me the way consumers ought to be treated. 
Thank you, XXXX FL XXXXXXXXAccount with Forster , Garbus & GarbusXXXXClient Ref. No. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted  XXXX   XXXX   XXXX  and wanted to get cable services thru them for  XXXX   XXXX . and I did, but I started to have problems with my tv, enternet, and phone services and this went own fo r two mo, s. I  got so tired of reporting this to   XXXX   XXXX   I finally canceled my services. I was told I was under a contract and I reply ok one that do n't work. they threatened to report me to my credit bureau. I told them find at least I can get some service that works so I did. they reported it to my credit report and stated it was in collections for  XXXX  dollars. date was  XXXX / XXXX /   2017  and I '' ve tried to settle this but they insist I owe them.  XXXX  I do n't think it is fair to pay for something that do n't work. thank you

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 12/31/2017 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: Old information reappears or never goes away

Complaint: This account was charged off in XXXX. I checked my XXXX credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is no way I owe XXXX XXXX XXXX I did pay for my final bill, This is inaccurate and false please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Adjusters, LLC (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid National Credit Adjusters {$1600.00} on XX/XX/XXXX, they show my account in the negative and still open, {$2100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$2100.00} Highest Balance {$2100.00} Opened XX/XX/XXXX XXXX XXXX yr ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX This account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: I called social security helpdesk because I was blocked from creating an online account to check my social security file. The reason I WAS TOLD WAS BECAUSE Equifax put a block on my credit file without my permission. I have contacted equifax and ask them to remove the block. I am filing this complaint because it is critical that I get my credit file released immediately. I am planning to apply for credit this week and it is critical for me to get the block removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to XXXX, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code 2923.5. I hire XXXX XXXX attorney on XX/XX/2014 he file bankruptcy because XXXX, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer XXXX its been sued for my attorney case # XXXX. the law office of les zevie its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an XXXX I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation