milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: In XX/XX/2017 I created an account at Coinbase.com, with the intention of purchasing some cryptocurrency. I passed my identity verification screening, which included adding my name, address, bank account information, credit card and even uploading my driver 's license to confirm my address and age. I was allowed to make multiple deposits of XXXX, XXXX, XXXX and XXXX dollars. 

I purchased some cryptocurrencies, paying fees each time, then sold them, again, paying coinbase a fee. 

Once the funds for the transactions were released into my coinbase cash account, I went to make a withdrawal of said funds ( total amount in my account is {$1800.00} ), but was told that I would need to " verify my identity '' using their supposed " 3rd party verification service '', which required even more details than were required to fund the account. I went through the steps advised, entered all of my information, including new info ( last 4 of SSN ) but each time the provider said that " verification could not be completed at this time ''. I attempted to complete this procedure over FIFTY times. I emailed coinbase over a dozen times, have direct messaged them on XXXX and yet have gotten no help ( only automated replies, or suggestions to continue changing the information I enter into their verification system, to no avail ), and my funds remain frozen. In a last ditch effort, I went to CLOSE my account, so that I would finally get MY OWN MONEY, but even trying to close an account requires this broken verification. They won't even let me close the account or withdraw my funds!!! This is a significant amount of money, that belongs to ME, and it is criminal and negligant for coinbase to deny it to me, when I have done everything within reason to verify who I am. 

It has been about 3 weeks since this debacle has started, and I am finally desparate enough for outside help ( Hence me contacting you, Consumer Finance Protection ). 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I previously complained that sls mortgage was threatening to foreclose on my home and sent them the copies from a previous complaint against XXXX XXXX XXXX regarding missing payments. XXXX XXXX XXXX corrected the original issue and gave me a document to give to sls which I provided on XXXX occasions now sls has once again threatened with foreclosure and is now demanding XXXX to keep the house out of foreclosure when I DO NOT OWE IT ... I spoke to there customer service yesterday and again that asked for the documents and I told them they were sent XXXX times and that I will not send it again because it 's been 3 years now and they are to incompetent to correct the issue and to incompetent to read my past notes get the fax number that was provided to me and check with that department locate the documents and fix the issues of the missing XXXX XXXX 2010 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pacific Collections (GU).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a credit report was submitted into XXXX that was not mine ( if there is a social security number that comes along with that report then they should have verified it to see if it was mine ) on XXXX/XXXX/2012 from XXXX XXXX XXXX XXXX in XXXX. under the original Creditor : XXXX XXXX XXXX, Account number XXXX. I checked with the Collection Agency and I was told that it had a different SSN under the same name. The supervisor told me he would clear that up three weeks ago, but I did not see any change in my report.

Company response to consumer: Untimely response
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: No response

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 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was evicted from my XXXX XXXX XXXX in XXXX XXXX in XXXX of 2013. I was not contacted by the apartment staff for payment of fees incurring because of eviction. I received a call from Hunter Warfield Collections Agency about XXXX weeks later. Hunter Warfield stated I owed them a {$2500.00} payment which was debt sold to them from XXXX XXXX XXXX. I immediately asked for written notification and an itemized bill. They agreed to send the information. I never received written notification or an itemized bill. I followed up with the apartment complex to find out exactly what was going on. The apartment complex said they notified me via mail. They sent the notification letter to the address I was evicted from so I had no way of receiving the mail. Also, I had all mail forwarded to my new address in XXXX XXXX. I did not receive any written notification from either party with a description of the fees I owed. The debt has since negatively affected my credit rating. I have still not received any written information from the credit agency or the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility.
I would like both debts removed from all 3 agencies report.

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 04-03-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other fee

Complaint: I HAD A CREDIT BALANCE ON MY ACCOUNT OF XXXX CENTS. THIS MONTH MY ACCOUNT WAS CHARGED TO REMOVE THE XXXX CENTS. I CONTACTED CHASE AND WAS TOLD ANY CREDIT BALANCE UNDER XXXX ( XXXX - XXXX ) WOULD BE ADJUSTED AND RETAINED BY CHASE AS INTEREST IF NOT USED WITH 60 DAYS. I WAS NOT OFFERED A CREDIT BY CHASE OR ANY SUPPORTING DOCUMENTATION. I REVIEWED MY ACCOUNT OPENING MATERIALS AND COULD NOT FIND ANYWHERE THAT STATED THEY CAN KEEP MY CREDIT IF I DO N'T USE IT WITH 60 DAYS. XXXX CENTS IS NOT A LOT OF MONEY, HOWEVER WHEN YOU HAVE XXXX CUSTOMERS IN XXXX STATES XXXX - XXXX CENTS CAN ADD UP TO XXXX DOLLARS IN UNDESERVED PROFITS TO THE BANK THAT DOES NOT BELONG TO THEM. TO ME THIS APPEARS TO BE THEFT BY CHASE BANK AND XXXX CUSTOMERS ARE BEING DECEIVED ; BECAUSE TO MOST PEOPLE PENNIES DO N'T MATTER. PLEASE INVESTIGATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (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: Hello Capital One file charge against me in court of law We did go to court which judge dismissed case to my advantage, non - suit can be file against me, so I called capital One to Take it off om credit unless i provide police report dentity theft i did send it to them nothing happen, I called Capital and spoke to XXXX his ID # XXXX he said he will have fraud dept to call me nothing happened Please Help Me In this matter Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: On XXXX XXXX, 2015 received debt letter. On XXXX XXXX, 2015 My attorney sent dispute letter asking for valid debt instrument. On XXXX XXXX, 2015 ( over a month after dispute letter XXXX received letter from debt collector sent to me. 

There was a mistake and I do not owe the debt, they continue to harass and contact me instead of working with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with The CBE Group, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was called by cbe asking for the last 4 digits of my social security number to confirm I am me so that they could discuss some debt. The repeated the last 4 digits of some social security number and wouldnt say who they were until the 6 time asking. The auto-generated number they used was ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My vehicle was stolen and crashed. XXXX XXXX, Pa law firm represented the insurance company. XXXX XXXX court dockets show a summons issued for me was Returned Unserved-Does Not Reside At The Address Given ( By XXXX XXXX to the XXXX 's office for service ) I learned about this when I received a letter that they had ordered my driver license suspended. I contacted XXXX XXXX law firm and was told the summons was signed for by the person who stole and crashed my car mother ( AT THEIR ADDRESS ) I never resided at their address, nor did I communicate or have contact with them. Although, I never had knowledge of a court date this is the information XXXX law firm used to obtain a XXXX Judgment against me, suspend my driver license and put this judgment on my credit. 
As shown in the court docket records I filed with the court to reopen this case and filed a motion to be dismissed from this debt and judgment. XXXX XXXX law firm then provided me with a letter of satisfaction ( no longer holding me responsible to this debt. I filed the letter with the court and with all XXXX credit agencies. Experian is the only credit agency that refuse to remove this from my credit. Stating that a judgment can not be removed simply because it is paid. However, the judgment debt is Not paid. I am NOT the responsible party for this debt and therefore, it was satisfied against me. I mailed all of the necessary documents to all XXXX credit agencies XXXX XXXX and XXXX removed it under the Fair Credit Reporting Act since I am Not the responsible party. The responsible party was later arrested on a warrant for XXXX. He also filed a letter with the court/Judge and with XXXX XXXX law firm, stating that he took my car without my knowledge or permission I sent this information to Experian and still, this judgment on my credit is preventing me from fair credit and fair housing. This is not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TRANS UNION, is reporting in-accurate and in-consistent information on my credit file. 

1. Date Account opened is in-accurate 2. Account number being published is in-correct 3. Last payment made has different dates ( XX/XX/2012 & XX/XX/2012 ) 4. Account is being Re-aged 5. XX/XX/2012 Published that account was charged off 6. XX/XX/2012 Published that account was 120 days late 7. XX/XX/2012 Published that account was Charged off Please see CREDIT REPORTS with in-accurate and in-consistent information, Also, see letter of evidence from XXXX XXXX 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 explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a Federal Money Order for {$290.00} into Simple Bank on XXXX XXXX, 2017. XXXX ( $ ) of the funds were available until 16 days later ( XXXX XXXX, 2017 ). 

1 ) Treat your customers fairly by treating United States Federal Money Orders, which are backed by the federal government and are normally treated the same as cash, differently than a personal check that has no federal guarantee of funds. 

2 ) Follow the federal government 's Expedited Funds Availability Act, which among other stipulations requires up to the first {$200.00} of a non- '' next-day '' checks to be made available the next day, and certainly a federal money backed by the U.S Government would qualify here. 

3 ) For the record, please state what day, exactly, did Simple Bank receive the {$290.00} from the US government, and state clearly for the record how many days between when Simple Bank received the {$290.00} from the federal government and when Simple bank released the funds to me. More than likely, Simple Bank received the funds close to two weeks before it released the funds to me. 

4 ) I have your new tagline though, so not all has been wasted : " Simple Bank! We Make Simple Complicated!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Other service problem

Complaint: My case number is XXXX. 

I first contacted coinbase on XXXX.. I was following the steps to reset my 2-step authentication when you no longer have access to that number. It sent  a code to the old number even though I no longer have access and within a few minutes I got an email saying I had successfully changed my password. I put a temporary disable on my account because I wasnt sure if someone gained access to my account because coinbase sent that code to a random person.. even though again I put that I had no longer access to that phone number. So this all started because coinbase compromised my identity. 

I have sent multiple emails, waited on hold for over 2 hours on 4 separate occasions, escalated my issue, reached out on XXXX and XXXX. Coinbase sent me an email to explain My case and escalate it on XXXX/XXXX/XXXX. It had already been almost a week. I was told my issue would be solved within 10 days. 

I think this company is a fraud and is purposefully withholding my login. I cant possibly imagine a company that will not contact you back for weeks when it is involving time sensitive money when all I needed to do was change a telephone number on my account. I have lost money and I am very upset. 

This is happening to hundreds if not thousands of people. Literally all I needed was someone to let me change my telephone number and unlock my account. My money is held hostage and I can not withdraw until this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: My business Merchant account is setup without my intention and fee is charged in ACH withdrawal every month from my business account. I have never / am not using any equipment or services from this account from Santandard bank and XXXX XXXX XXXX. 
Sales Rep XXXX XXXX XXXX from Santandard bank located at XXXX XXXX XXXX NJ tried to sell me Merchant Services for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2016 and I did not agree until I get it on paper and send me so I can review the agreement. She filled up all agreement documents and signed my name on documents and sent me all final documents. I never signed or authorized any person on my behalf to sign those papers. Even my name is incorrect and my signatures are incorrect on all agreement documents which can be verified. 
In last 6 months I have tried several times to reach Santadard bank representative to discuss matter but she never picked up my phone. I contacted XXXX XXXX XXXX to resolve this issue but never got any reply from them. 
I would like to have a lawful action on XXXX XXXX XX/XX/XXXX to do forgery and damages to my business. 
There are XXXX documents to be attached with this complaint.

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 08/24/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I 've discovered these charges I 've been billed for merchandise I never ordered or received. Some funds where returned but then taken away again. 

XXXX XXXX, XXXX XXXX E-PAYMENT - {$300.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$49.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$170.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1500.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2000.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$580.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$290.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1400.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2200.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2400.00}

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 01/22/2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this debt sometime ago with this same collection agency. They could n't provide validation and this account was removed from my credit report. I paid the original creditor in full and do n't owe them a penny. After this debt was removed this was placed back on my credit today with no notification no letters no contact after removal. I do n't like there dirty collection tactics, I cant not be forced to pay I debt I do not owe I do n't not have a contract or account with this company and I need this account removed again and never put back unless they can provide me a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2016 A man called from XXXX phishing for my XXXX child 's personal information which included personal health information. He kept pushing for my sons social security number, address, and medical information. Names of relatives, and who his guardian was. I refused to disclose this info. He stated that this bad debt was on my sons credit report.Demanded my sons PII. I later contacted the company after receiving a letter about the debt in question. The have bought and sold my minor childs info.

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 09/25/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I requested account closure and the company has failed to comply with my request. They respond by not responding!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX, I applied for a store credit card at TJ MAXX only because the clerk had told me that no credit was okay, and people had gotten accepted before with no credit. I had no credit at the time, so this is why I asked in the first place. I later learned that inquiries can have devastating consequences on your credit, and because of false advertising from an employee at TJ MAXX, I applied for a card that could have been prevented by the proper explanation of the consequences, and terms.

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 04/17/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold our mortgage to Nationstar. This happened in the middle of a house deal. I tried to get ahead of it by calling Nationstar, emailing, writing a letter requesting a payoff and using social media. The written letter was mailed XX/XX/XXXX. One very nice customer service person, XXXX even emailed within the company on XX/XX/XXXX to escalate producing the payoff letter.At first I was told to call back on XX/XX/XXXX when my account was in the system. Today via the support center ( XXXX ) I was told that our loan in not through processing and that we should be able to get the payoff XX/XX/XXXX. We were to close on XX/XX/XXXX so this delays the closing. 
This is unacceptable. According to the Dodd- Frank act this servicer must provide the resources and personnel to complete the transfer process. Today iis ourt transfer date and we can not obtain a payoff letter. Nationstar services our loan as today and as such mut provide the lender information they need

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Equifax is reporting. I have informed Equifax that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation