milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Complaint XXXX XXXX XXXX and Bridgecrest are making false claims, they 're giving false information. 
First of all, in the past 16 months, I have called and spoke with XXXX directly and they have never mentioned to me anything about my account having a fraud dispute and is being blocked, never not one, that 's false information given by XXXX XXXX and Bridgecrest, I just received a copy of my credit report from XXXX a XXXX 2017. " XXXX XXXX and other phone representatives of Bridgecrest admitted over our phone conversation that that they never called XXXX because there 's a block on my XXXX account, that 's the primary reason they ca n't report my financial data history. Well answer this question, if Bridgecrest never reported my information to XXXX because of a blocked file do to a fraud dispute, how did Bridgecrest get on my XXXX credit report, not only that, why would the XXXX phone representative mention to me that Bridgecrest just called this month ( XXXX XXXX to update my file. I spell a rat. Second, XXXX and XXXX never advise me to need to contact the credit bureaus directly and request to speak with a member of their management to resolve the split credit file, if that was true, the times that called XXXX and XXXX in last 16 months, they would have mentioned to me about a split credit file. I have gotten two credit reports from both XXXX and XXXX, disputed inaccurate information on my credit report with XXXX with CFPB XXXX Consumer Financial Protection Bureau XXXX " check your computer system, it 's there '' they have never told me anything about a split credit file. Do n't you think the times that I called XXXX and XXXX that a phone representative would have recognized that I had a split credit file and put a manager on the phone to fix the problem by now. Think about it? One of the phone representative from XXXX told me over the phone that she do n't know what a spit is and that she never heard of such a thing. 
XXXX XXXX XXXX has been in a irrevocable trust " XXXX XXXX XXXX, TIN # XXXX '', a pure common law trust, a unincorporated business trust since XXXX XXXX, XXXX, the day XXXX entered into there Interest Retail Installment contract.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo is charging me for XXXX overdraft fees instead of just XXXX. On Friday, XXXX/XXXX/16 at approximately XXXX, I had approximately {$1000.00} in my checking account. at around XXXX when I checked again, XXXX items had come in electronically. XXXX was for {$20.00} XXXX return fee, and XXXX was for check # XXXX for {$36.00}. That left me with a balance of approximately {$990.00}. When I checked my account again at XXXX, the balance was still at {$990.00}. I checked my account again at approximately XXXX check # XXXX came in for {$1400.00}. That would cause my account to overdraw and leave me overdrawn for {$430.00}. 
I made a deposit on Monday Morning for {$340.00} which should have left me overdrawn for about {$92.00}, Well Fargo charged me for XXXX overdraft fees of {$35.00} each which left my account overdrawn for {$190.00}. I should only have been charge for XXXX overdraft fee for the check that came in for {$1400.00}, not for the XXXX items of {$20.00} and {$36.00} which came in in the morning when I had {$1000.00} in my account,!! 
Wells Fargo does this all the time, and it is called " re-ordering '' meaning how they process things for payment so they can maximize overdraft fees!!!!! You could also look at this case as a " high to low '' checking incident. I want to know how a bank can charge you XXXX overdraft fees, when clearly the XXXX electronic items that came in in the morning were covered by the funds in my checking account!! 
I am willing to pay the {$35.00} fee for the check number XXXX for {$1400.00} which caused the account to overdraw, but not for the other XXXX. I want {$70.00} returned to my account. 
I wrote to Wells Fargo about this, and got the usual explanations about how they process transactions, which makes no sense ( except to them )! 
They have now passed my case to their executive office. 
Why are they allowed to do this? 
I believe that they were sued about this, yet it continues!! 
Why are they allowed to charge fees of {$35.00} for overdraft, when it clearly does not cost that much!!! 
I am grateful to them for covering my checks ( most of the time ), and I am willing to pay the fees for that, as I have in the past, but I am not going to pay fees to cover items that I had money in my account for at the time they were presented. That is criminal. I do not know how they can do this, and have been allowed to do it. 
I am a XXXX XXXX XXXX woman who works XXXX jobs to support myself and my XXXX XXXX XXXX XXXX mother. I can not afford these fees. I am paying out of my own pocket at least {$200.00} per week for a caregiver for my mom while I am at work. 
I need this money returned to my account, and I am turning to The CFPB for help with this. 
This practice needs to stop. 
Thank you, XXXX 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 monetary relief
Consumer complaint received 04/19/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been unable to obtain a monthly mortgage statement from Seterus for over 2 years. We are presently in a financial hardship due to XXXX and any assistance programs require a statement. We have contacted Seterus numerous times by phone to request a statement by mail, fax, email, Fed Ex, or whatever possible means. They state they have submitted the request, but nothing happens. They have blamed the XXXX Postal Service, but we have lived in our home 20 years and receive plenty of mail. We have received other documents from Seterus such as tax documents or notices sent by certified mail. They are completely incompetent. I just want a statement as is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX failed to honor their settlement agreement terms after sending me a settlement letter and my paying them based on their agreementMy account is still shown as STATUS : Charge OFF - Paid for less than full amount, lateThe attached letter from XXXX clearly states that if I pay the offered settlement, my account would be Settled with {$0.00} Balance. Nowhere in the settlement letter does it say " Charge Off, Paid Late or Paid for less than full amount '' It simply states if I make the payments which I did, my account with be Settled in FullThat is how my Credit files should be shown under STATUS. but they are not. 

I have intiated investigations by all XXXX bureaus only to be told they checked with XXXX and XXXX tells them " charge Off '' is the correct status. 

I was either fraudulently lied to by XXXX to pay a debt under the pretense of getting my credit files improved to fix my damaged credit after XXXX years of unemployment from the recession ; or Someone XXXX XXXX that interacts XXXX Credit Bureaus is lazy and does not read the settlement letters. 

Bait and switch, which is offering one thing and then giving the person something else is fraud. I was offered one thing, I paid, they reported something else. 

Please have them change my files with the three bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On  XXXX   XXXX ,   XXXX  ,  Bank of America  allowed a check with my name and my  XXXX  former roommates names on it to be cashed without an endorsement from any of us.

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 07/15/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Managing, opening, or closing account

Complaint: Purchased, funded and registered American Express Serve ( prepaid ) debit card on XXXX/XXXX/2015. Received permanent card with my name embossed on or about XXXX/XXXX/2015. Attempted to transfer balance electronically and was unable to do so. Spent XXXX minutes on phone with customer service rep.Was told could not locate temporary card number by name. Called back the following day after locating temp card and was told they could not transfer balance to permanent card because I already had a card.After spending XXXX minutes over two days on the phone, requested account be closed and balance refunded. Told have a check in 7 days. Sent demand letter on XXXX/XXXX/2015. Received letter ( no check ) on XX/XX/2015 dated XXXX/XXXX/2015 giving me ten days to respond with requested dox or my case would be closed Responded to request via US Postal Service on XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose prepaid card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Unexpected or other fees

Complaint: WHY DO N'T YOUR CUSTOMER SERVICE RETURN CALL THEY PROMISED THEY WULD???? CAN SOMEONE PLEASE CHECK ON A PROBLEM I HAVE BEEN HAVE WITH THIS ACCOUNT. YOU REMOVED {$.00} FROM MY ACCOUNT AS AN ADJUSTMENT ON XXXX XXXX, 2017. I HAVE NOT RECEIVED A CHECK FROM BANK OF AMERICA FOR THE {$.00}. I WANT TO KNOW WHAT HAPPENED TO THE {$.00} AFTER THE ADJUSTMENT WAS MADE ON XXXX XXXX. I AM AWARE THAT AN ADJUSTMENT WAS MADE ON MY ACCOUNT AND THAT THE {$.00} WAS RETURNED TO MY ACCOUNT. IF I WOULD NOT HAVE CALLED BANK OF AMERICA WOULD HAVE KEEP MY MONEY. WHY????? CAN SOME XXXX PLEASE CONTACT ME BY PHONE

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 03/29/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: My account was never resolved after disputing several charges from a rental car service. My account was closed even after speaking with a banker at Chase Bank. I then obtained a XXXX Money Card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I spoke to XXXX people at TransUnion. I had a simple question : why is my credit score dramatically lower when I have XXXX % of the debt I had when my credit score was higher. 
They could provide no reason and repeatedly asked if I wanted to dispute any items on my report which I explained was not the problem. The first XXXX folks I spoke to at their overseas call center spoke English so poorly I had to ask them to repeat what they said three or four times.

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 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX XXXX, 2016 I sent a request for a Security Freeze that listed my name, social security number and date of birth along with my Drivers License, Social Security XXXX, Police report and proof of my address. Per the certified mailing receipt it was signed by TransUnion on XXXX XXXX, 2016. I have yet to receive any confirmation that the security freeze has been placed.

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 09/13/2015 about Debt collection (Medical) with Action Collection Agencies, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. 

I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. 

On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. 

I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. 
The account was updated to " Paid Collection ''. 
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. 

This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (GA).
Issue: Fraud or scam

Complaint: I am a Rush Card customer and my direct deposit from my payroll check is missing. It was never deposited into my account. Friday XXXX XXXX 2015 the Rush Card Company claimed that all direct deposits would post but it did n't. Its been XXXX weeks since the company claimed they had a update glitch but funds are still missing and the problem still is n't fixed. I really am hurting by not receiving my check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: A month ago, on X/XX/2017, I tried to establish a merchant account with coinbase.com, so I could accept bitcoin payments from my customers. In order to finish the registration, one must undergo an ID verification step ( using a webcam or camera, or phone ). After more than a dozen attempts on different devices ( computers, laptops, phones ), different OS ( XXXX XXXX, XXXX and XXXX ), and different browsers ( XXXX, XXXX ) I am still unable to finish the ID verification process and hence establish my merchant account. The company ( Coinbase ) is not helping at all, I just receive automated responses from XXXX that do not address the issue. Several online forums ( such as XXXX ) are full of complaints about this, and many have reported this issue to you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have XXXX open student loans with navient. I am not offered a repayment plan based on my income. I have been putting my loans on forbearance and deferment but the interest has added over XXXX dollars to my loans.The company has failed to inform me on deferment period ending numerous times and it resulted in late payment marks on my credit. I have asked numerous time what i can do. I even make payment during deferment periods. I want to pay my loans off not keep adding interest. The repayment amount is more than i can afford a month.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Aargon Collection Agency reported a debt to my credit report without ever contacting me about the debt. The original Creditor is Missouri XXXX and it has been over five years since I have lived in Missouri. This company never sent me verification of the debt or allowed me to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Hello, I just sent my money ( {$15000.00} ) to XXXX XXXX XXXX to deposit in my coinbase account to trade digital currency ( X/X/2018 XXXX ) as far as i know the money i sent via XXXX  XXXX supposed to deposit into my coinbase account in 2-3 business days and the money is still not deposited in my coinbase account i guess the coinbase company could n't verify my identity so i would like to my money back but i could n't contact to coinbase company because they use automated answering machine. 
please investigate this case thank you this is the an account i sent bank name : XXXX XXXX XXXX bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Rounting : XXXX Account : XXXX recipient name : Coinbase, Inc recipient address : XXXX XXXX XXXX, # XXXX, XXXX XXXX CA XXXX Reffence : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After reviewing my credit report I noticed a account I was unfamiliar with from a debt collector LVNV Funding LLC C/O Resurgent Capital for a total of {$900.00} I sent you a requests for Validation not a requests for verification or proof of my mailing address, on XXXX XXXX, 2017, XXXX XXXX, 2017 and finally on XX/XX/XXXX.All in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g , Section 809 ( b ). Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. In a good faith effort to resolve the matter amicably, I stated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their ( LVNV Funding LLC ) authority in this matter. I advised absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. LVNV Funding LLC sent to me a printout they had generated with sale ledger and of a copy of a bill statement from XXXX XXXX with my name on it. They have not provided any type of contract showing they have the authority to collect or official documentation showing they own the debt but continue to report negatively on my credit report despite 3 written requests for validation they ignored.
LVNV despite my valid request for validation have sent numerous letters stating they are reviewing the account but provide no results. They have even gone as far as to offer me a pay for delete offer through their sister company. They openly violate the FDCPA and refuse to validate any debt but stall and delay in order to undermine the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, XXXX at XXXX XXXX Portfolio Recovery called my wife and I at home in attempt to try to make contact regarding a debt. The problem is our number is listed on the Do Not Call Registry. They  were calling late, while we are in bed trying to get our rest. We have had this happen several times before and are getting tired of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XXXX XXXX credit card but I have paid and closed the account. It is showing in my credit report the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Approximately XX/XX/XXXXmy son attended XXXX College. One of his loans which is a private loan through XXXX XXXX is under my name. Payments were automatically withdrawn from my account on a monthly basis. In XXXX I tried to get my account balance online but I was denied entry. I called XXXX XXXX with negative results everyone I spoke to had no information on a student loan I was paying every month. A representative at XXXX XXXX told me that my loan was with Navient but with recent research and bank statements it 's only clear that XXXX XXXX is the agency named on my bank statements in regards to monthly withdraws. Since I was unable to get any information on my student loan balance I decided to stop the monthly withdrawals XX/XX/XXXX from being taken from my account thinking that someone would contact me about my payments. Well it 's been a year and no one from XXXX XXXX has contacted me about a payment, I find this very odd and disturbing. I would like some information about my student loan account payments. Is there still a balance? If so why are n't they asking for payments? Has my account been satisfied? If so when was it satisfied and why was n't I informed? If I do n't receive any information about my account I will be forced to turn this matter over to my attorney.

Company response to consumer: Closed with explanation