milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX i did a wire transfer from XXXX  XXXX XXXX, on XX/XX/XXXX i opened the case with coin base about the missing wire.. and called them ..Due the miss match on the name of the account they send me a mail that a refund has been processed..but still i havent recevied my money back i try to solve it by opening cases and calling them : here are the cases XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing Wire Refund XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing wire XX/XX/XXXX XXXX Missing wire XX/XX/XXXX On XX/XX/XXXX i called XXXX XXXX  which coin base is working with and ask about the wire refund, the bank told they can see it and they cant process until the coinbase has initialed a refund and gave me the phone number to call coinbase and i opened a case with XXXX  on XX/XX/XXXX Still no respond from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify this property for years and the lender continuously "lost" our paperwork or "never received it." They have been not returning calls and even hanging up on us before I can reach the appropriate party. They have denied modifications because they say they haven't received paperwork we've sent numerous times. Now there is a sale date on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax kept consumer records, mine included, in a non-hardened and un-secure web database. This has been in the news lately, and the company admitted that the information ( social security numbers, names, addresses, driver 's license numbers ) of over 100 million Americans are now in the hand of foreign hackers. 

To make matters worse, Equifax waited over a month to make consumers aware of this breach. This obviously impacts measures consumers could have taken to protect themselves from fraud. 

Equifax 's irresponsibility continued, as top executives sold off huge amounts of stock to cover their XXXX and wallets once the breach was announced. Needless to say, this is extremely ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/16 a dispute and validation of a bankruptcy being recorded on my credit request was made to Experian in regards to inaccurate information contained in the credit report. I received a response back from Experian that they would not investigate the matter further as they verified the information. I personally went to the court and was told that no one from Experian attempted to validate the information and that the court does not submit any information to credit reporting companies. Experian continues to refuse to show or provide the method of validation of this information. As the court themselves has not validated. The utilizing a third party to verify information violates both legal and fair credit reporting guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote Experian in XXXX XXXX. It is now XXXX and have received no response! I have specific issues with what they are reported and requested they investigate. They are in violation of Federal law.

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 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit 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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Source Receivables Management LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$430.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. The cash price of the car was {$17000.00}. I put {$200.00} down. The dealer convinced me I needed debt cancellation for an additional {$790.00}. I was also sold a preferred protection plan for 72mos or 70k miles for an additional {$2800.00}. Total financed at 12.54 % interest was {$21000.00}. my monthy payment is {$420.00}.
1 ) Dealer overcharged on price of car and products.
2 ) Single divorced parent of XXXX children with no knowledge of auto sales, taken advantage of by dealer and lender.
3 ) Ally Financial paperwork requesting extension and deferral of two payments to make loan current was approved on XX/XX/XXXX. Approval and proof of transmission of paperwork in hand.
4 ) Ally Financial in process of repossessing vehicle.

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 12-12-2016 about Debt collection (Auto) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX - I buy a car. 
My dad gives me his old car to use as a trade in, valued at {$200.00}. 
This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. 

I pay the full car loan off in full within 2 months. 

XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. 
I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. 
I did. I have a scan of the check in my bank account, proof it was signed and cashed. 

XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. 

Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. 

I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently owned by Green Tree LLC. Today ( XXXX XXXX ) I received a statement notifying me of an increase in my monthly payment to cover hazard insurance because they claim I do not have insurance coverage on the property. That is not true. 
On XXXX XXXX my insurance company faxed my insurance policy showing them as the loss payee to the toll free number listed in their dunning notice. On XXXX XXXX I called Green Tree and was told the fax was received and that my insurance information was on file with an expiration date of 2016, which was correct. 
I updated the loss payee information on my insurance when I renewed it in XXXX this year, but I used the Green Tree address on my mortgage statement because I did not realize I should have used a different XXXX. 
When I received the first dunning notice from Green Tree in XXXX I was so upset that I did not read it carefully. I faxed them a copy of my insurance policy myself, not realizing I should not have done that, nor that I had used the wrong address for Green Tree. 
When I received the second dunning notice from Green Tree on XXXX XXXX, I realized my mistakes and immediately called my insurance company to correct the loss payee information. While I was on the phone with my insurance company, they faxed the updated information to Green Tree, as stated above. 
I do not understand why Green Tree sent me a hazard insurance policy dated XXXX XXXX and a statement dated XXXX XXXX when they had confirmation of my insurance on XXXX XXXX. My handling of this situation was inept, but my insurance policy never lapsed and the hazard insurance they are charging me for is not required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A fraudulent company who charged my wife and I on an account that had been closed for 2 years. Instead of correcting the issue we got the run around and are now unable to move in to our apartment in a new state. The staff is completely incompetent, and extremely unhelpful. It took them XXXX days to figure out that they had committed a fraudulent charge. We are now living out of a hotel which is costing us hundreds of dollars a day for charges we never owed, since Hunter Warfield marked my credit report. I am unable to move into my apartment I was promised XXXX hour resolution and a letter stating that we owed nothing and that the charges were fraudulent. We have not received anything.

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 01/18/2017 about Credit card () with U.S. BANCORP (NC).
Issue: Credit card protection / Debt protection

Complaint: USBank Credit Card will not cancel card after being notified of death of a family member/cardholder. There is no balance so this is not about a remaining pay off. This is about them ignoring the consumer and being completely unresponsive. Leaving the card active is a threat that we must monitor. 

This is the same card that, about two years ago, the cardholder had to notice " unusual '' transactions himself even though his pattern ( XXXX gentleman ) was very unlike the out-of-state charges made in women 's clothing stores. 

They are unprofessional and the family does not wish to be burdened by watching this card and cleaning up any fallout from their ignoring the reported death of the cardholder.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experien credit reporting agency failed to update my credit score in the past 6 months. They failed to update credit report in past six months per consumer request as well. The law reads non compliance is a - {$1000.00}. Fine. RSVP- 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 04/26/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CO).
Issue: Trouble during payment process

Complaint: I had a casualty experienced on my condo. I recieved money for repairs from my insurance company and procedures on how to have check endorsed by the mortgage company since both of us were on the check. Th casualty occured  XXXX / XXXX /  XXXX  . My initial check recieved from insurance was on  XXXX / XXXX /  XXXX  . I sent the check to be endorsed by my mortgage company after several phone calls to their loss draft department for endorsement procedures. They were supposed to endorse the check and send it back to me.     I sent the check on  XXXX / XXXX /  XXXX   to the mortgage company. They recieved the check, and decided they were not following the correct procedures and decided to send the check back to me since they now said they would have to monitor claim since it was over {$5000.00}. None of this information was revealed to me via previous phone calls with them. I received the check back endorsed it and mailed it to them on  XXXX / XXXX /  XXXX  . They received the check on  XXXX . They then said they still needed to review the claim. At this point work by my contractor was being completed and he needed payment and I had to buy materials. After review and several phone calls the loss draft department said the disbursed funds on  XXXX / XXXX /  XXXX   and that it might take my bank  XXXX   XXXX  up to  72  hours to release funds once they are received. I called   XXXX   XXXX   today  XXXX / XXXX /  XXXX   and they have not received an ach transfer and they do not hold the funds. I have called the mortgage company several times without return phone calls and empty promises and still no funds. They are holding our monies for repairs and creating a hardship to pay my contractor for work performed. They need to be in violation of some sort.     The original benefit from my insurance company was supposed to be under {$10000.00} and I was told to file the under {$10000.00} loss draft procedures

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Student loan (Private student loan) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I finished repaying my student loans in XX/XX/XXXX and my account with Great Lakes student loan provider was closed. I received a communication from them congratulating me that my loans were repaid, and I downloaded my full payment history for my records. The payment history showed {$0.00} unpaid principle balance.

In XX/XX/XXXX I logged into my online account to print out my XX/XX/XXXX tax statement. When I logged in I saw a balance of {$30.00} in unpaid principal, and {$1.00} of unpaid interest, for a total of {$31.00}.

I promptly contacted Great Lakes. The first person I talked to was unable to explain the charges. Finally, I got through to an account manager, and when my questions persisted she told me that Great Lakes was being audited by the FSA, and that they had failed to apply an interest cap adjustment to my account at the time. They could not explain how or why they were able to reopen my account and apply these charges without notifying me. Had I not logged into get my tax statement I would not have known about these charges. Eventually, they sent me a generic statement on XX/XX/XXXX that reflected the new charge, however, I have been informed several times that this may not be the accurate amount.

I have been in contact with them twice since then. On all occasions they have told me that the amount has not " settled '' yet, and that the {$31.00} might not even be the correct amount. I requested a letter detailing the charges, and explaining how and when the interest cap adjustment was applied so I could provide it to my attorney. When they finally provided the letter, it did not include any of the information I requested.

I have been unable to resolve this issue with Great Lakes. My issues are : 1. How they were able to re-open my account and apply charges without notifying me.

2. That they made a mistake that was caught by the FSA during an audit, and that they are attempting to pass that fee along to a former customer, even after the affected account was closed.

3. That they have not been able to provide relevant or accurate information in a timely manner - or even let me know when the charge will be finalized or when I can expect a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (AL).
Issue: Account opening, closing, or management

Complaint: My mother and I were on a CD together at PNC Bank. She unexpectedly passed away in XXXX XX/XX/XXXX. I let the CD roll when it came due in XXXX XX/XX/XXXX since I was unprepared to deal with that after her recent passing. In XXXX of XX/XX/XXXX, as I was trying to close my mom 's estate, I went to the PNC Bank branch in XXXX XXXX, Alabama and provided all necessary documentation to remove her name from the CD. In the course of removing her name, I was then charged a fee of {$40.00} as a " early withdrawal penalty ''. I was told at the time that this was necessary and could not be waived even though I was leaving the funds on deposit with PNC Bank and remaining as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An old student loan account from XXXX is still reporting negative remarks on my experiean credit report. XXXX indicated that they were going to remove the negative reporting however when I reviewed my credit report they are reporting me a 180 days late. ACS no longer has my student loan account. Those loans have been rehab and no longer in default status. XXXX is in violation of FCRA.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I started XXXX XX/XX/1995 with a total loan amount of XXXX. It 's now been 19 years since I started repayment and I still owe XXXX because of first going into forbearance for as long as I could and now IBR or Income Based Repayment. My interest rate has never been allowed to be lowered and every year as my income goes up my payments go up. It is almost {$500.00} a month now and I 'm living paycheck to paycheck. My student loan is with Navient formerly XXXX XXXX. I feel that I 'll never repay this loan and it will end up coming out of my social security. I 'm XXXX now and I know it will never be paid off in my lifetime.

Company response to consumer: Closed with explanation