milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I wired Coinbase {$14000.00} to purchase Bitcoin. I 'd contacted their support department first on XX/XX/XXXX in regards to this wire not posting to my account. All of this was done under Coinbase Case ID # XXXX, I again tried to contact them through their online support system since they do not have phone support on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that my case is with the correct support team and that is it, I 've received no estimated time my money will be available to me or any reasonable contact to make me believe my {$14000.00} is not just lost and/ or stolen or any number of other possibilities. I put in a Better Business Bureau complaint and all Coinbase has told me from that is the same reply that my issue is in the correct teams hands without any idea if or when my money will be provided back to me. I ultimately just want what I sent Coinbase my {$14000.00} for, Bitcoin. I think it is completely unbelievable that they have had my money for now over 2 months and I just keep getting the run around that the correct team is engaged but I have gotten zero resolution and really awful support.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX XXXX XXXX constantly threatens to foreclose on my property. B of A owns the second deed of trust on my property and has hired XXXX XXXX XXXX XXXX XXXX. I tried to do a loan modification with B of A but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XXXX/XXXX/XXXX through the XXXX Bankruptcy XXXX case # XXXX, I was XXXX of my debts under Chapter XXXX ( including the second deed of trust ) under section XXXX of title XXXX XXXX Code ( the Bankruptcy XXXX XXXX. On XXXX/XXXX/XXXX, XXXX XXXX XXXX sent me a letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a priority Mail XXXX slip from the XXXX from this debt collector. This is just XXXX examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt XXXX B of A has used in the past.

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 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on    XXXX   XXXX   XXXX   . They (  XXXX   XXXX   XXXX   )  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX  management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged my  credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  XXXX   XXXX  must be addressed as the rep on the phone on    XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX     (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my   XXXX      years ever hit my credit with a HARD inquiry for a simple, few  hundred doll ar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a coupl e hundred doll ar credit line increase.

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 09/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (HI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My last year of XXXX. I became so XXXX, that I was only able to see, XXXX a week, which paid my rent, but in no way allowed me to make a dent in my massive student loans. I applied for a medical forgiveness, but was turned down. Interest and penalties have raised my debt from about XXXX out of school, to almost $ XXXX. I was contacted by them and offered a payment plan of {$50.00} a month, which was do-able. In the XXXX month, they sold my debt to another bank I guess, and they demanded payment in full. Barring my winning the lottery, I do n't see anyway I will be able to pay this off. 
For the last 18 years, I have worked at an XXXX here in Hawaii, helping XXXX. I have taught XXXX, and will continue to try and help as long as I still have breath. But this huge debt is smothering me. I get debt collector calls all the time, at all hours, sometimes at XXXX. I know that is illegal, but have no idea how to pursue that. Is there any relief, or forgiveness channels available to me? Any new laws in the pipeline that might include bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed and asked for verification of debt owed, I have yet to receive verifiable proof that I owe this debt ( such as a signed contract with my signature ). They are reporting this debt on my credit file and it is totally inaccurate. I am not aware of any debt owned to XXXX XXXX XXXX. I demand that they provide Proof Of Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Credit decision / Underwriting

Complaint: hi my name is XXXX ( XXXX ) XXXX i had numerous problems with green tree morgage company even though i never was late even XXXX time with a payment. thank fully i was able to re fiannce and get away from that horrible company. still have XXXX last problem with them. they still have not reported my perfect payment history to the credit bureaus. which i believe they are supposed to do.. have not had them as a morgage compay since XXXX or XXXX of XXXX thank you for all and any help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with Io, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid and still listed on my credit report as a open collection, called and spoke to a supervisorXXXX and still nothing was done to correct the issue

Company response to consumer: Closed
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: In  XXXX , I had filed a claim in the amount of {$200.00} and was issued a temporary credit of {$200.00}. The claim was recently denied and the {$200.00} was taken back out of my account on XX/XX/XXXX  which caused my account to go negative. I deposited cash into my account to make it a positive balance. Yesterday,  XX/XX/XXXX , the bank withdrew fees of {$100.00} which again made the account go negative and cause another NSF fee of {$35.00} to be withdrawn in addition to the {$100.00}. I had filed a CFPB complaint on  XX/XX/XXXX  in regards to the bank not properly disclosing a change in process regarding fees. The complaint number was  XXXX . These {$100.00} fees from  XXXX  were in relation to that same scenario which previously got corrected by the bank in  XXXX . I contacted the bank this morning and spoke with someone in claims who said they were n't the right department so they transferred me to collections, who of course was n't correct. I called on my lunch and spoke with the general customer service who said they would have to transfer me back to claims. Again, they said they could n't help me. I am asking that these fees be refunded back to me in order to put my account back into the positive status that it was prior to them being taken out. I have been a customer of this bank for 20 years and the level of customer service is horrible now compared to what it used to be. I even recently had fraud on my debit card which I know is increasing from every bank, but the customer service I received at the branch when trying to obtain a temporary bank card ( which I never got ), was ridiculous. They told me they were too busy and that I 'd need to make an appointment, but that if I could just wait a few days my card would come. I 've seriously considered small town banking again.

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 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have called each bureau for a copy based on applying for XXXX card and being denied. Trans Union and XXXX is stalling and circumventing the rules by not honoring the laws in place to protect us against such practices. I need a copy of my reports expeditiously in order to address a current pending transaction. So please have the XXXX bureaus send me my copy based on the law of denial.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

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 06/16/2016 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have received 2 phone calls now from a place called Miller , Stark , Klein and Associates. They claim that they are collecting on a debt that I owe from XXXX or XXXX. I told them that I did not know what they were talking about and handed the phone to my daughter both times that they called. Therefore, they broke the law by talking to someone else about my alleged debt. They have threatened to take me to court and sue me for this since I will not set up payments with them over the phone. My daughter told them during both calls that I do not owe this debt. She also told them that they are breaking the law by trying to collect on the alleged debt because it is too old and way beyond the statute of limitations. Each time the person became angry and stated that they will sue me for this debt that I do not know anything about. They have never sent me a bill which is also illegal. They have only contacted me over the phone. They have the last XXXX numbers of my Social Security Number and I do not know how they have that. They said that they will garnish my wages too, I am old. I do not understand what is happening. I almost had a nervous breakdown after the second call. I have not cried like that since my wife passed away. My daughter and granddaughter had to talk me through it. I have XXXX. This harassment and lies does not help. I need you to help me, please. Make them stop. They are breaking the law. They say that they can do this, but my daughter tells me that they can not. I found on the internet on an FTC page that there are companies with similar names to this company that has already been in trouble with the FTC. Apparently, they have now started a new company and are back at using illegal debt collection practices. Their phone number is XXXX and again, it is Miller , Stark , Klein and Associates. Please help me and make them stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/2016 I filed numerous disputes with chase auto finance, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 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: THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT OF IDENTITY THEFT

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 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was contact ed by a 3rd p arty loan discharge program and was advised that  XXXX   XXXX   XXXX  along with Navient were under  a Class Action suit. I explained I was in program with Navient to repay my loan under an Income Based Repayment plan. I was advised that I should qualify for an Pay as You Earn program which has lower requirements than the IBR plan. They also mention that this is one of the practices that brought about the class action suit against Navient because they mislead customers no loan repayment that is less cost effective for the customer but benefits Navient. I was also given multiple offers of forbearance instead of being offered a more affordable payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Trouble during payment process

Complaint: My mortgage servicer, SLS ( Specialized Loan Servicing ), continually fails to mail adjustment notices for my ARM mortgage. Since they took over the servicing of my loan, I have not received a single adjustment notice without first calling and demanding that they send it.

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 09/17/2016 about Debt collection (Medical) with Credit & Collection Recovery Services, Inc. (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got another rude and harassing phone call again. CCRSI is a very unprofessional company that will do anything to collect on a debt. This has been ongoing and starting to get really frustrated. They called me yesterday asking do I have any attempt to handle this business matter or do I want them to proceed with legal matters. I asked them like I have done in the past to stop the harassment calls, but obviously that is n't working any. So I just hung the phone up. But this time I was able to record the conversation and will use it to the best of my abilities, cause the so called VP has stated in other complaints they do n't show any call history being made to me. Well I got proof this time around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with Convergent Resources, Inc. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My father recieved a letter from CONVERGENT OUTSOURCING, claiming that {$410.00}. The name on the letter is my last name, but not my first name. I checked my XXXX account and it says my balance is XXXX. I even added {$50.00} to the account to see if it would take it, and now my balance is {$50.00}. This is not my debt and I do n't know what recourse i should take.

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 05/14/2016 about Credit card () with Continental Finance Company, LLC (IL).
Issue: Other

Complaint: them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX of XXXX I ended my contract with XXXX after many years of poor customer service and not receiving paper bills after many, many requests. I sent them their final payment in XXXX XXXX. Last year, in the XXXX of XXXX, I notice on my credit report that Diversified Consultants has put a collection on my credit report for the final XXXX bill paid in XXXX. I notified my credit card company XXXX of the fraudulent collection and they removed it from my credit report. Today, XXXX/XXXX/XXXX, trustedIDpremier/XXXX is showing this collection on my credit report from Diversified Consultants again for this XXXX charge.

Company response to consumer: Closed with explanation