milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Debt collection (Credit card) with Eaton Group Attorneys LLC (LA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX contacted my husband via phone in regards to a credit card balance we owed stating they could reduce the amount owed by 60 % and we would only be paying 40 % of the balance. They made the offer sound so good he could not refuse and he accepted. He was told at the end of 24 months he would be debt free. 

They started drafting the payments from my checking account and my husband gave them permission to speak with me in regards to any questions I had. Somewhere around XX/XX/2015 they suspiciously stopped drafting my account and I was advised to continue paying via paper check. 

It took an act of congress for me to speak with a live person. I have archived emails that I sent to them that we received from the creditor. Sometimes we would receive a response other times the emails were unanswered. 

I finally gave up and told them I wanted all of our money back ( after making payments for 2 years ) and then the nightmare began. I was told by XXXX ( supervisor ) we could not get our money back because they were close to settling the debt and to continue sending the payments. 

Unfortunately, I did continue sending payments even though no actions were being taken to reduce this debt. Papers were served to my husband at home ( yes he was sued ) and now we are out of XXXX of dollars and still owe the creditor. 

These people are crooked thieves making a living off of unsuspecting innocent people. 

I have a paper trail of emails that I 've sent and received. I was able to save {$330.00} that I actually did a stop-pay on the check as recent as XXXX/XXXX/2015. 

People beware of these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I walked into a Branch to pay a loan which was about 30 days past due.! paid the required about to satisfy the loan amount for the period. The loan amount was {$270.00} my pay check for the same period was {$280.00} and we are in a work slow down. So although I made the payment I was still past due. But I should have been current to that point. Now when I get calles from the bank they say I am XXXX days past due. And they have n't received a payment since XXXX XXXX although I paid them XXXX XXXX. So during this time I ca n't afford the banks manipulations of my money. On another note I had hope to get caught up with income tax return. But someone has stolen my SSN and applied for my income tax return. So when I filed they said I had already filed and now I am dealing with Identity theft. IRS is difficult to deal with having an I do n't care attitude, I 'm just doing my job. So the help I counted on is not coming for some more months and my pay is reduced to two days a week. The company does not supplement my income with unemployment ( XXXX ) they should but do n't. ( Texas ) Please note because they in the past have manipulated overdrafts and payments bouncing I have removed my money from this bank. But because of these loans which originated at XXXX which left the State and sold these loans to BB & T. I am forced to deal with them. But I can only try, but without extra money I will not jump through the hoops.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I asked Citibank to close my account as of XXXX/XXXX/2016. They promptly responded saying I needed to withdraw the remaining funds of {$6.00} from the account, which I did on XXXX/XXXX/2016. However, they failed to close the account even after I withdrew the funds, and now I have an overdraft charge of {$12.00} on the account ( since it is XXXX/XXXX/16 ) even though there were no further transactions on my part and the account was at {$0.00}. Customer service has been unresponsive and demanding {$12.00} before they close the account.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Greetings, XXXX XXXX XXXX is currently reporting to Experian that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not  aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX. Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature. 

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to Experian, they are continuing to give me a hard time with this account. XXXX, as well as XXXX, were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified Experian of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on Experians website and certified mailed letters regarding FCRA Section 605B.  They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.

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 non-monetary relief
Consumer complaint received 06/27/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A third party collection company is reporting an alleged debt to the credit reporting agencies. They never sent a notice of attempt to collect or right to dispute, nor any communication whatsoever. I only learned of the activity while checking my credit score. Also, they are reporting the same alleged debt XXXX and attempting to collect XXXX for the same alleged debt, which is related to a medical bill which was previously paid by insurance then reversed recently after my former employer illegally rescinded the policy and retroactively cancelled coverage by more than a year. The matter is currently under investigation by the EEOC, USDOL, XXXX and pending civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TN).
Issue: Managing the loan or lease

Complaint: Can not make car payment online or over the phone when I tried to make payment on  XXXX  .2017. Got this m essage when I tried to make payment.     Sorry, you are unable to make a payment at this time.   You can not make any checking or savings account payments at this time. Please call Customer Service at  XXXX  to have your account reinstated.     I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off.     The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Hello, The company Coinbase has charged me 3 times for two purchases. They removed one set of unauthorized charges. After a week they charged me again for the same prices. This company needs to be investigated for fraud. I've tried submitting a ticket to their website but they do not respond for days at a time. I'm not the only person having this issue.

I've attached two photos of the charges. One was for the XX/XX/XXXX and the newest as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I went into a Jared Jewelry Store at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Closing/Cancelling account

Complaint: Rewards checks are mailed out with XXXX statements, and I cancelled my card just after the XXXX statement was paid, so a XXXX statement would still be mailed to me. The credit card company cancelled my rewards for {$180.00} even though they were supposed to be mailed with the XXXX Statement. I spoke with them online, and they said they could reopen the account within 24 hours if I spoke with a manager. I spoke with a manager ( named XXXX ) and she refused to refund the amount or reopen the account. The person I spoke with online ( named XXXX ) said the manager 's decision is beyond her control.

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 11/29/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Loancare, with loan number XXXX. I made a payment on XXXX XXXX, 2016 for {$2200.00}, but as of today, XXXX XXXX, 2016, Loancare has not issued a statement reflecting this payment, and therefore has not indicated that another payment for the same amount is due on XXXX XXXX, 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (FHA mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Santander is not following XXXX guidelines for XXXX lien holders. I am currently in the process of doing a short sale. The first lien holder - XXXX has approved our short sale and allotted Santander the required amount. Santander is dragging their feet not issuing an approval. The first lien holder will not stop the scheduled sheriff 's sale for Monday XXXX XXXX without Santander issuing an approval letter. We are doing the right thing following XXXX guidelines for a short sale and Santander is not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06/14/2016 about Money transfers (International money transfer) with RIA FINANCIAL (CA).
Issue: Other service issues

Complaint: I submitted XXXX transfers to RIA Financial Services totaling {$3300.00} to my friend in XXXX, recipient of previous transfers from me. RIA Financial Services called to ask if I was XXXX. I refused to answer, because any acceptance or denial of service on their part based on my ethnicity or national origin would be per se discriminatory. RIA subsequently cancelled my my XXXX transfers, using as justification the fact that I was n't XXXX, and they only work with " family assistance. '' I am complaining that I was discriminated against due to my race, ethnicity and family origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

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 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has an item on my credit report from XXXX XXXX XXXX XXXX XXXXll XXXX from XXXX for XXXX dollars I disputed this item and it came back as verified. I asked Transunion to send me verification of this item within 15 days and they did not verify. Under the FCRA verification of item was supposed to be mailed to me. I want this item removed immediately. And legal counsel was obtained.

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 non-monetary relief
Consumer complaint received 11-01-2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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 disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. State Of XXXX/ Collection Unit ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

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 02/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is n't my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: During the month of XX/XX/XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as Experian, XXXX and XXXX  requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.

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