milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent via mail on XX/XX/XXXX a letter to Navient along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On or about XXXX XXXX, BANK OF AMERICA debited {$2200.00} from my checking and savings account. The reasoning was they had a legal order to hold my funds. I called BANK OF AMERICA only to have representatives tell me there was nothing they could do. BANK OF AMERICA claims they received a " notice of a lien '' which is not an actual lien or a legal order. If BANK OF AMERICA is debiting my account because of a " notice of a lien '' this is securities fraud. BANK OF AMERICA has no sworn statement under penalty of perjury that said " notice of a lien '' is true, nor do they have a court order pursuant to XXXX XXXX XXXX that corrobarates this claim. If I am mistaken I ask those documents be presented immediately. Due to the extreme amount of fraud and scams, it is only right that BANK OF AMERICA would make sure such documents are valid before allowing it to cause harm to one of their loyal customers. I have attached a copy of the " notice of lien '' BANK OF AMERICA mailed to me as well as my own affadavit that BANK OF AMERICA is welcome to rebut or have the person ( s ) claiming I owe a debt rebut. This matter is causing me and my family stress as I am unable to pay my bills and properly take care of my family.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries added to my report that I did not authorize

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 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I do n't believe the company investigated the validity of this dept and its connection to 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 explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , MD. XXXX.

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 08/17/2016 about Bank account or service (Other bank product/service) with Comerica (TN).
Issue: Using a debit or ATM card

Complaint: The TN Human Services department has all child support payments going to the XXXX debit card issued by Coamerica Bank and Elite. The card is also referred to as an XXXX. Each time you dial the customer service number on the back of the card, no one picks up ( Tried 5 times now and longest wait time so far is 1 hour, 15 minutes ) and a fee of {$.00} cents is deducted from the child support balance. Summed up, no one answers the phone, online access does n't actually allow you into the account and the app does not work. It keeps you in a perpetual loop of asking validation questions, without actually validating your personal info to gain access into your account. This is a rip-off. Once you dial in with your personal card info or social, it automatically deducts money from your account without providing an actual service. I 'd like to simply have my money direct deposited into my checking account versus this rip-off debit card w/ NO customer service at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with BB&T CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.

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 08/28/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX XXXX as my cell phone provider. They have confirmed I have paid my account in full, timely, and they have never attempted collection or held a debt against me. For some reason, XXXX credit report services ( XXXX XXXX have a " Trident Asset Management, LLC '' as a debt collector for " XXXX, '' claiming I owe {$42.00} for " utilities, '' as an open " Collection Account. '' I attach the applicable information if this site permits it, if not I can be contacted at the provided email address and provide all documents. XXXX My phone number will not be answered, as Trident 's efforts prevent answering numbers I do not know and I silence my phone during the hours they were legally not permitted, but have, called me repeatedly XXXX. XXXX XXXX suggested this could be from their home services, but I 've never had XXXX home services, as they also confirmed. When I moved in XXXX 2014 I inquired about services but was told they use dish and my building was too old XXXX historical ) to use such intrusive installation. I informed XXXX I was not interested in their services and received no services, installation, or products whatsoever. I was not informed talking to a representative cost money, it was a XXXX number so I had no reason to think so, so I contest {$42.00} if it was incurred simply by using their potential customer inquiry phone system. As this debt does not exist, I would like to utilize my rights under the FDCPA against Trident and demand XXXX proof of debt purchase/ownership from " XXXX '' and proof of an actual debt. I demand, upon investigation proving my version of events, that my credit reports be fixed to eliminate Trident 's incompetent report pursuant the Fair Credit Reporting Act. I also utilize my rights under the FDCPA for the illegal calling, harassing, and threatening voicemails associated with collection of a non-existent debt. I request XXXX be notified of Trident 's actions, as their system does not indicate any debt and I never received any notification from them on this issue. All I can assume is Trident confused me with another consumer or is fraudulently trying to collect debts they never legally purchased from the entity they claim. I give consent for any measures necessary for the FTC and CFPB to investigate this intricately. I will pursue legal actions myself if necessary, but unlike Trident, do not see the point in threatening a lawsuit over XXXX- far less the filing fee amount in any court - when this fraudulent report or scam can be resolved by the departments competent in enforcing such matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX.
<P/> XX/XX/XXXX XXXX  reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau.
<P/> XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX CBNA Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
<P/>
Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
<P/>
Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
<P/>
I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report.
<P/>
How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

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 06-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a Chapter XXXX bankruptcy on XXXX XXXX, XXXX. I then withdrew the filing on XXXX XXXX, XXXX without prejudice, this was based on legal advise and absolutely no creditors were affected due to XXXX liabilities filed against any creditors. The court on XXXX XXXX, XXXX then dismissed/closed my filing and recorded as such. Now that 7 years have since lapsed since the filing, I was fully expecting this negatives/adverse action to be removed/purged from my credit report as of XXXX XXXX, XXXX. Upon speaking with a supervisor at Equifax , I was told that because I failed to go through with the bankruptcy and have a court appointed trustee oversee my filing, and because the record does not use the word, " discharged '' in the court recording, they refused to remove the negative/adverse action for up to 10 years, not 7 years. I am being penalized for not XXXX my creditors and making full payment to all creditors at the time of withdrawing the bankruptcy complaint, which is totally ridiculous to think that just because I initially filed for bankruptcy, but withdrew it, and made good on my debts, now I have a additional 3 years to be penalized by a credit reporting agency. Therefore I am seeking your assistance in resolving this matter favorably in my case of total dissatisfaction with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NH).
Issue: Account opening, closing, or management

Complaint: Santander Bank advertised its XXXX accounts by saying that customers could earn an extra {$20.00} per month " for as long as you own the account ''. This was obviously meant to imply that this was not a temporary promotion. However, about 2 years later, they closed all of the XXXX XXXX accounts and transferred the balances into XXXX of their other products. Their advertising was intentionally deceptive. In addition, after closing my accounts in late XXXX, I realized that they had never credited my account for the last {$20.00} that I was due for the month of XXXX. They admitted their mistake but said that since I had closed my accounts they could not give me the {$20.00} I was due.

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 03-08-2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (TX).
Issue: Problems when you are unable to pay

Complaint: I 've been making payments to this company for almost 2 years, and everytime I 'm a little late on my payments, the company would call my cell phone and my job to harass me. It never once failed for them to call my job and embarrass me. The bad part about is they would discuss my personal information with my coworker which is very unprofessional against the law. Most time they are really rude towards my coworkers and especially me. I failed to make payments toward my car because of my mothers health issue, so I have been struggling. I spoke to the representative there and explain everything to them what 's going on but they really do n't care. I also sent an email to them regarding my situation on XXXX XXXX, 2016, but I doubt they would read it. That same exact date, I encountered the true colors of the workers there. A representative name XXXX has been calling my job constantly and threatens me. She says you owe {$800.00} on the car how are you going to pay it? I told her I will find a way, but as of now I 'm at a dead end. She says excuse me, no you need to go borrow it and pay for it, you 're such a lack of responsibilities. Once you find the money call me back with the reference and slams the phone in my face. I have never experienced anything like that in my life. I have student loans and the representatives there never once speak to me like I 'm an animal. I 'm a human being also, and there 's no need for them to be disrespectful to me. I thought to myself how can I abide by the law, when they 're so cruel to me. I just want them to understand what I am going through and to stop harassing me at work, and especially telling my coworkers about my situation. If they constantly keep doing that I will have to take it further. So please help me on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, XXXX and Equifax. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I attended the University XXXX XXXX XXXX, XXXX. I applied for loans from this company for only one year. My requested loan amount from that time has ballooned to over {$60000.00} due to fraudulent applications that were completed in my name and my co-signer 's names. Over the years, I have been harassed, lied to and threatened by this company. I 'm also one of the military veterans who was denied benefits that were supposed to be afforded to me while XXXX. This company has tried to play my co-signer and myself against one another telling him that I committed fraud, which is in direct violation of FDC 807. False or misleading representations clause ( 7 ) " The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ''. They repeatedly told my dad to file fraud charges against me and me against my father. When myself and/or my father requested all of the documentation in my file, they would take 2-3 weeks to get the information to us. They also denied to respond to my father 's lawyer because they did not want to be held responsible for breaking the law again as they would have had to have contact only with the lawyer. When I received the packet with all of the documentation from my file, the total amount verified by letters of disbursement, does not come close to the amount on the account. There was no paperwork for one of the accounts listed on my total account. I requested by letter that the account be removed, however it was not. After trying to work with Navient, I sent them a settlement letter with a check. They cashed the check, and denied the offer. The harassing phone calls have started again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened my Citibank checking account on XX/XX/XXXX. I get a direct deposit and I pay a bill every start of the month like clockwork, no changes in doing so in all these years. No problem with waiving a monthly fee for 4.5 years. 

Then on my XX/XX/XXXX-XX/XX/XXXX statement I get billed the fee of {$10.00} for 6 months until the fee increases to {$12.00} on my XX/XX/XXXX-XX/XX/XXXX Statement which continues for 31 months until my XX/XX/XXXX-XX/XX/XXXX Statement. 

Last two months the fee was waived for theXX/XX/XXXX-XX/XX/XXXX Statements. 
That 's ( {$10.00} ) + ( {$12.00} ) = {$430.00} of fees that I should never have been charged. 

Every time I talk to Citibank I get the runaround & I get nonsense comments like to get it waived log in to your Citibank Online account and pay your bills through us. I use their Debit card monthly like I always have to pay bills & still get Direct Deposit to my account like I always did. Nothing changed on my end from the start. Obviously something its fishy on their end if I did n't get fees for first 4 and a half years & again these past 2 months. 
It 's a rip off plain and simple. They should thank me for bothering to stay for almost 8 years.

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 02-06-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I wire transferred {$40000.00} from my business account to my personal account at Coinbase.com / XXXX. The funds never posted on my account. 

After 10 attempts to contact coinbase / XXXX through phone, email, and their support system I was send an email from coinbase that the wire was not accepted and the wire was going to be reversed during the next 7 business days. 

Today it is XX/XX/XXXX I have kept sending emails, calling, and leaving messages on their system. They have not replied one of my messages with a response about the refund of these funds. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.

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 07-05-2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: For the past 3 months i have tried o communicate with AWA Collections in regards to an unknown account they placed on my credit. I have also sent them certified notices which they have received but have failed to respond to me. I was not contacted via phone or in writing about the debt. i discovered it on my credit and i am not sure what it is for or who it belongs too ... .. i just know this is an error- it is not my debt and it was not validated.     AWA Collections Account  Number   XXXX

Company response to consumer: Closed with explanation