milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX I got an e-mail from Coinbase stating my withdrawal limit for my XXXX account was denied. As I tried to log into my XXXX account it showed my account had been temporarily disabled and that I should contact Coinbase. I called Coinbase and told them my XXXX is temporarily disabled and I can not access the XXXX worth of cryptocurrency I own on that site. They gave me a reference number and told me it may take up to 4-5 business days to fix the problem. 

On XX/XX/XXXX, I logged onto my Coinbase account and was prompted by a page stating I owe XXXX USD in order to gain access to buy/sell/send my cryptocurrency I had on my Coinbase. I never purchased anything with a credit card on my account for that much to begin with. However, I paid the amount and called Coinbase to remove the hold from my account. They then said they would escalate my previous ticket and add I paid the amount owed. Then on XX/XX/XXXX I logged onto my Coinbase account and noticed XXXX Bitcoin ( valued XXXX USD ) was sent to Coinbase without my knowledge. I called Coinbase to discuss the transaction and they told me I owed an additional XXXX USD and they only take cryptocurrency as payments after the fact I already paid them XXXX dollars on XX/XX/XXXX. They told me they do not return cryptocurrency once its taken from the account. So Coinbase ended up taking a total of XXXX USD from me for no reason. I have only spent XXXX USD on Coinbase using my own bank account. There are no reversal charges made on my bank account. I currently can not access my XXXX worth of cryptocurrency on XXXX because of all these claims stating I owe Coinbase money which I never purchased on Coinbase. Everytime I call Coinbase they state they will grant me access back to my XXXX account and full access to my Coinbase account within 2 business days but nothing ever gets done and they keep charging more money than I have ever spent on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I returned the call on XXXX/17 and the young lady was rude. She told me people that do n't work still pay the debts. Then she wanted to go through my finances with me. I do n't think that is any of her business. 

If she wanted to collect a debt she should work with that person, not tell them how or how much they need to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Unable to access credit reports online through equifax and XXXX. In addition to that unable to do online disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (CA).
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: upon terminating my account before relocation XX/XX/XXXX, I entered into a early termination agreement with XXXX to pay {$20.00} per mo. until balance of {$330.00} was paid in full. I have honored that agreement with payment receipts up to XX/XX/XXXX ( please see attached XXXX 's payment record ) The remaining {$110.00} I mailed to XXXX XX/XX/XXXX in the exact same way as I had the many payments before. In the form of a money order, the exact same address as before. ( please see attached money order copy for {$110.00} ) On XX/XX/XXXX my credit report shows this {$110.00} listed as in collection. ( please see attached, my letter to XXXX dated XX/XX/XXXX making them aware of there violation of my rights under the Fair Debt Practices laws ) XXXX & Diversified Consultants , Inc . Response : ( please see attached letters dated XX/XX/XXXX & XX/XX/XXXX ) XXXX says they had not received my payment, and advises me to contact the money order company to see if money order had been cashed. ( please see attached XXXX letter dated XX/XX/XXXX & money order copy ) Diversified Consultants, Inc. letter confirms the debt I owe. ( please see attached letter dated XX/XX/XXXX ) The violation is that this letter of first communication is four months late. Therefore denying me the right to dispute the debt if I owed it, under fair debt protection law. Please note that XXXX 's own payment record shows that I was payment current as of XX/XX/XXXX ( please see attached XXXX payment history record ) This shows there was no reason to report collection on my credit report. Because the grace period between payments had not expired. Record shows first report to my credit report was XX/XX/XXXX. ( please see attached letter dated XX/XX/XXXX making XXXX aware of the violation of my rights ) XXXX has yet to respond to this letter dated XX/XX/XXXX where I 'm still trying to settle this matter. I tell them that I took them advice and contacted the money order company, and found that the money order had not been cashed. and explained that XXXX XXXX money order refund would take up to 45 days. and as my letter goes on to say. I would send another {$110.00} to XXXX in return they remove the collection from my credit report that according to evidence should not have been placed there anyway. Know response from XXXX as of present, but I have received refund from XXXX XXXX less {$18.00} fee for refund. ( please see copy attached ) Please investigate and have removed from my credit report. Thank you for your time in this matter. for it appears they are parking the debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting this complaint about experian credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed this account numerous times be the debt does not belong to me. They were deleted off of   XXXX   and now today  XXXX   XXXX  they have reappeared again on my  XXXX  credit report. They are no longer on my  XXXX  report and I need them removed from  XXXX  and  XXXX  and they are sliming my chances for credit and future home buying! They debt from   XXXX   XXXX   was sold to Ad  Astra Recovery Services  and I do not have a contract with Ad  Astra Recovery Services so  No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad  Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra   Recovery Services )  within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to   XXXX   and  XXXX  as closed and have them remove it from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA).
Issue: Struggling to pay mortgage

Complaint: My house was paid for except small equity line of credit in my mom 's name.i was on the deedXXXX XXXX XXXX XXXX sold this too Rushmore Loan co, they in turn tried to foreclose had to sell at a lower price. I'm wanting full value of that house was a family home. I've turned this over to my law firm to file against this Rushmore, they have bad ratings. They sent no paperwork until attorney sent foreclose papers, then had to sell to investor lost lot of money. Please help on this situation for me. Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX account was readded to credit report after I disputed and had it removed XXXX/XXXX/16. I have attached proof. XXXX account, was added back to report after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I called Chrysler Capital ( Santander ) and asked them how they was able to secure my vehicle when they could not legally or properly VIN my unit. They attempted to stated they do n't have to provide information but they can tell by the plate ... I then Saud they have to read it off the unit. They then ignored me and said it was done legally. I confirmed no they did n't and she then went into ignoring me again. She refused to explain how they could repo a unit with out following legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have XXXX citi card which was expired in XXXX XXXX, XXXX sent me a letter indicated I had a bankruptcy or a bankruptcy or a charge-off on another Citi card and the card will not be issued, this is totally incorrect information, I never had a bankruptcy or other Citi card except XXXX citi card. In order to clarify, I called your citi customer service XXXX times and XXXX credit bureau : XXXX XXXX XXXX XXXX, spent hours and found out nothing wrong with my credit, I also faxed my credit report from the above three credit bureau to citi and received a letter informed me my account was closed, I called citi customer service and they were very rude and refused to check my credit. they also refused to refund my rewards and membership. This is unacceptable.

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 11-01-2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Accounts Account Name Account Type Open Date Status Balance CREDITACPT Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name CREDITACPT Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he  was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.

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 09/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/17 I received five emails from Navient, one said my forbearance was approved and gave a payment due date and amount. I did n't request this because my loans were paid back 100 % in my chapter XXXX. Case XXXX XXXX county ohio. I have a letter from XXXX indicating a XXXX balance as of my discharge. 

I called Navient and they were rude, could not give me info, and one even told me she could n't access my account even though she had just given me information. She transferred to to someone who was a robot, just insisting I have to pay now that bky is over. 

She was given my current address and confirmed they had an old address They were sending demand letters to a wrong address. If they knew the bky was over, they knew my correct address as it was in the discharge paperwork and XXXX had the correct address. 

One of the letters says the have put this on my credit report as past due and they also want late fees. 

None of the letters show a balance, just principal. 

Another letter was generated today and viewing it online I see they STILL have the wrong address. 

I am trying to buy a new car. This false info must be removed from my credit report NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, XXXX, and Equifax. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX XXXX and are under deferment and are not in default. During the investigation process, US DEPT OF EDXXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. Ive made XXXX request total and asked for verification and to request written proof of their finding but was never furnished with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans has screwed up my escrow account twice. First they paid an irrigation assessment they were not supposed to pay and began charging me {$100.00} a month more to cover their mistake. I also paid the assessment and cant get that money back. Now they have failed to pay the second installment of my property taxes and I have been assessed a penalty and late fee which they will have to pay. They are unresponsive in fixing these issues and I can not change mortgage companies. I did not ask for them they bought my loan and now I am stuck with their XXXX service for the next 28 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I received a letter from Bank of America saying that they were closing my account. I have had the account for the past 12 years. It is for a small XXXX that collects monetary donations for XXXX XXXX by XXXX in XXXX. Money is collected and then wired to XXXX several times each year all through this account. I called the customer service number on the letter ( XXXX ) and no one would give me a reason for the closure. I explained that I owe an explanation to our donors ( 250+ )  as to why the account is being closed. No one seems to be able to offer an explanation..

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 09/20/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I took out an auto loan through Wells Fargo on XXXX XXXX XXXX, and on the same day a savings account was opened in my name. I did not open the account nor did I ever request that XXXX be opened. I found out about a week later that the account existed and when I asked why I was told that I needed to maintain it to pay the auto loan. At the time I was in the XXXX and stationed in XXXX XXXX, and I had little experience with auto loans. 

I maintained the additional account as best I could over the years, trying to meet the {$300.00} minimum balance. I do not know how often I was penalized, but I know it was a fair amount, all for an account that I neither needed nor wanted. 

I purchased a home in XXXX and the loan originator sold the mortgage to Wells Fargo. I was contacted by Wells Fargo in XXXX telling me that I had to buy insurance through them for the home. After much of my time spent arguing, I was able to deny the insurance and reported the incident to the XXXX. Never to hear anything out of it. 

I paid the auto loan off in XXXX, at which time Wells Fargo stated I needed to maintain the savings account to pay for the home loan, accruing even more fees for not being able to maintain the {$300.00} account minimum. I paid off the mortgage this year, XXXX, but the mortgage account still remains open for some odd reason. I was finally able to close the savings account once the loan was paid off, which means that I " had '' to maintain an account that was fraudulently opened for 10 years. 

I have names of the people from XXXX that opened the accounts, all account numbers and dates. Since this investigation has been made public I have yet to hear anything from Wells Fargo. I have just recently contacted them to see what they are going to do, and I am currently awaiting their reply.

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