milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: I am a XXXX and I was checking to see if my paycheck was in my account this morning only to find that I was at a negative - {$540.00}. My rent and bills are due soon! I then went on to discover that I had been charged fraudulently by Coinbase.com nearly {$4500.00} w including an insane amount of non-sufficient fund fees from my bank. I think if I had even more money, this scam would have taken even more of my money. It was only when I was sucked completely dry of all available USD that my account was frozen from my bank. From what I can see as of right now I have the following scam charges from coinbase.com .... ( I am only assuming these as of now, but there could be more ) the list of transactions are as follows : XX/XX/XXXX PAYROLL/ACH + {$2200.00} - {$540.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$1.00} - {$2700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$200.00} - {$2700.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$2.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$270.00} - {$2500.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2200.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2100.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2000.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$6.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$820.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$5.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$740.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} - {$300.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} - {$290.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} {$700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} {$730.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} {$740.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$3.00} {$1800.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$380.00} {$1800.00} Please help, I can't buy food, I can't pay rent, I can't do anything. I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to an extreme hardship & divorce I fell behind with the mortgage. Caliber Home Loans who has just recently purchased my home from XXXX XXXX has a foreclosure and sale date of XXXX XXXX on my home even though I was working with their loss mitigation Dept to try to modify the payment they accelerated the foreclosure and I have n't even been given the chance to work out options with them. I have n't even been given options! I received the application & a letter of approval to submit a modification application from them dated XX/XX/XXXX then got a letter dated XX/XX/XXXX that my application was denied cause I did n't turn in documents. Really a day later. That seems deceptive & misleading if you ask me. And they are n't honoring the chance I was given to Try to modify before I got the accelerated foreclosure letter from attorney sent XX/XX/XXXX. I had already turned in an application because I did n't wait for the one dated XX/XX/XXXX to come in the mail, I printed one off their website. But now the sale date is so close & I am still trying to modify. It 's a race against the clock & see which comes first. But they are dragging their heels. I turned in all documents they requested. And everytime I call to make sure they got it I 'm told I need to send something else!! And it takes up to 5 days for them to upload it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, On XX/XX/XXXX I sent the first of many letters to all three credit bureaus XXXX Experian and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. The dates of the letters are as follows First Letter XX/XX/XXXX - XXXX XX/XX/XXXX - Experian XX/XX/XXXX - XXXX XXXX Second Letter XX/XX/XXXX - XXXX, Experian, XXXX Third Letter XX/XX/XXXX - Experian XX/XX/XXXX - XXXX, XXXX Fourth Letter XX/XX/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 non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services.  This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (NV).
Issue: Trouble during payment process

Complaint: A reverse mortgage was taken on the residence in XX/XX/XXXX. The mortgagee died in XX/XX/XXXX. As a trustee of the estate, I have tried since XXXX to get the payoff amount on the loan, to pay it off so the house can be sold. The company, American Advisors Group, has stalled and avoided providing this information since XX/XX/XXXX and it is now XX/XX/XXXX. I have been told the the payoff amount will be sent within 7 to 10 business days at least 3 times. Each time the payoff amount changes before I can get the payoff on the loan. I have since found a buyer for the property and the American Advisors Group ( Reverse Department ) then required their company to do an appraisal on the property. This took several weeks and I am now having the same trouble getting the appraisal from them. I have spoke to several customer service representatives regarding this issue and each time there has been an error on their part to include sending the information to the wrong email address! My frustration has peaked and I asked to speak to a supervisor to get the problem resolved and get both a payoff and a copy of the appraisal. I was again told 7 to 10 days before it could be sent. I spoke to XXXX who claimed to be the supervisor and she told me that nothing could be done and that their procedures involved other departments and the 7-10 day timeline would still be observed even though the mistake was theirs, meanwhile the interest on the reverse mortgage continues to grow and consume the equity left in the property. I asked to speak to XXXX 's supervisor and she refused to accommodate the request and said that it was n't necessary and that she was the only supervisor necessary for me to talk to, preventing me from escalating a complaint. This is a clear stall tactic being employed by the company to delay the payoff of the loan and to bolster their profit. There is no recourse or process available internally to get American Advisors Group to provide timely service on such a predatory tactic, contacting an actual supervisor to file a complaint is impossible at this point. I am begging for assistance through the Consumer Financial Protection Bureau. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of {$700.00} and I paid off and closed the account in XXXX of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of {$700.00} and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of XXXX 2016. then I called again and now they are advising XXXX 2016. This is very frustrating because those monies are due back to me and it is causing a great financial hardship for me because discover is holding monies that are due to me. I feel it is unfair because I paid the card off in XXXX 2016. I am requesting assistance from your company that I receive my refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Closing/Cancelling account

Complaint: It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to get a modification on my mortgage with Wells Fargo. I have submitted a loan application twice which was denied. The first application was denied because I did not make enough income. I obtained a part time job and resubmitted. The second application was denied because I did not have sufficient history of the higher income ( i.e. had n't made the income long enough ). For each modification denial, I have taken the necessary steps to do everything requested of me. However, I believe that Wells Fargo continues to " move the mark '' once I achieve it. Additionally, my primary source of income is self employment. I have provided Wells Fargo with 5 months of income from my business. I believe that Wells Fargo is not properly considering my business income in its determination as to whether I can participate in the loan modification program. 

After the denial of each modification, my home is scheduled for foreclosure sale. When I request information on the amount needed to bring the loan current, it includes {$1500.00} of foreclosure fees. Ive requested from Wells Fargo verbally and in writing for a break down of the foreclosure fees and have not received it. A representative told me that it included a " home inspection ''. If my house has not been sold, how can a home inspection occur?

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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers. My original opt-out date was XXXX 2014. It has been well XXXX and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I see on the back of the notice that Equifax is named. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 06/30/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (VT).
Issue: Credit decision / Underwriting

Complaint: We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court ) and the judge dismissed the case that I pay nothing. This account does not belong to me. 
I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with my document from court that show account dismissed and I pay nothing.

Company response to consumer: Closed with non-monetary relief