milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: at XXXX i buyed some Litecoin with cc no Problem so far. Wanted to Transfer it to another exchange and bam 3 days Payment locked, but i can unlock the transaction faster if i upload my id ( again ) to verify. 

Ok no problem uploaded it XXXX times always unable to verify my identity and then i got banned and my account got XXXX. 

Hey just write a support ticket ... .. i cant write a support ticket on a XXXX ACCOUNT. ok so i opened a second account and contacted XXXX and XXXX from support staff in XXXX with a ticket id, none of them replied. 

But i got a answer on my ticket from the new i account i made : Thank you for contacting Coinbase Support. I apologize for the delay in responding to your email and for all the trouble. 

I will now be closing this ticket and will be responding to the original ticket you created that was sent from the said XXXX email address. 

to my old XXXX ACCOUNT rly guys? i cant answer or login or read the ticket on my old account. I dont even get emails when/if she replied to the open ticket on my old account cause THIS ACCOUNT IS XXXX XXXX : Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

( i dont have purchasing problems i have a XXXX account but thank you for automated message ) XXXX Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

XXXX a automated message with the full faq just copy/pasted THANK YOU! 

UPDATE** XXXX It appears as though your case has a restriction and is not security related. I am escalating your case to the proper queue now. 

( your system just auto banned me like i said i have my Phone number verificated XXXX for login and XXXX for transactions just unban my account whats the problem here ) My ticket id is : # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Delinquent account

Complaint: I paid my CC bill like always. My statements were begin sent to my junk my. My payment was always {$25.00} so thats what I was paying. I received a credit alert from my credit monitoring service stating I was 30 days late on a payment. I was shocked. I quickly logged on and paid what I needed to pay to get to current status. I never received any notification about my account until the alert. Why would I get notification when I paid the bill? I 've tried contacting them multiple times and they state there is nothing they can do. Which I know is not true. I have been a member since 2008 and have never missed a payment. I also sent them a goodwill letter, again no response. I followed up with a call, again they claim there is nothing they can do. For 1 " so called '' late payment that did not actually occur. They have made XXXX of dollars off me and I have never missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I submitted a HELOC loan application XX/XX/XXXX along with my supporting financial information including proof of income, tax returns, and home owners insurance information. After not hearing from the bank ( Citizens Bank in the XXXX XXXX Branch, XXXX, NY ) for several weeks I called the branch to learn that the bank employee that was 'handling ' my application and who had custody of my personal financial information, had left the bank. When I enquired where my information was, the bank employee told me he did not know but he would look for it. Later that day he called me to tell me they found it in a drawer of the former employees desk. I then requested the branch mail my financial information back to me. After a week and a half I had not received the information and I called the bank and spoke to the branch manager who told me she had it and if I wanted it back I had to come into the branch. I did so. At that time I lodged a complaint with the regional supervisor of the branch. At that point the regional manager asked me if I still wanted to proceed with the HELOC loan. I told her I did not as all I had were problems with this branch ( see a current complaint I have pending with this branch regarding fraudulent loan practices ). She then told me the bank would discontinue my application. I then told the regional supervisor I wanted to lodge a complaint against the branch for the shoddy mishandling of my original application and personal financial information. She said she would but after several weeks of not hearing from her nor receiving anything from the bank acknowledging my complaint I escalated the proceeding to the 'Office of the Chairman ' Two weeks later I received a 'rejection letter ; for my HELOC dated the day after my request to have my application withdrawn. The reason they gave was 'excessive loan to income ratio ' Since the bank never had my income information ( found in a desk drawer of a departed employee ) One other totally amazing fact about my so-called rejection letter, they rejected me for a loan I never asked for! They claimed it was for {$190000.00} when the fact of the matter was, it was suppose to be for only {$90000.00} I maintain that the banks rejection of my loan was discriminatory and vindictive because of my complaints and withdrawal of my application. The upshot of all this is when I told the banks 'Office of the Chairman ' they said they would investigate all these matters. To date they have not done so nor have I been informed in writing by the bank about my complaints. 
One final thing, according to my FICO score which the bank sent me it was XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked XXXX XXXX leaking the personal details of more than 140 million users of which I was included. Equifax waited months before reporting this while executives dumped stock. Equifax is only offering a single year of credit protection servers from a company they own. In order to use this, you sign away your rights to sue them. All of this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Notice of Transfer of Mortgage loan was not provided in a timely manner. 
Transfer occurred XX/XX/XXXX Notice occurred XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have sent you my Drivers License. Her social security is XXXX. 
She does not do business with XXXX, XXXX, XXXX, and XXXX of the XXXX Bank XXXX are not hers. PLEASE DELETE THESE INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have made serveral attempts to resolve my issue with XXXX XXXXXXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, XXXX ), this notice includes. Basis of disputed : On XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. Transunion shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment historyXXXX XXXX shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's breach has put my credit at risk. I am listed as a potential victim on their site. I am worried this will negatively impact my ability to buy a home, which I was looking to do in the near future. 

I would appreciate it if they offered a free credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was rated by the XXXX in 2008 to be XXXX with service connected problems received from service in XXXX. I had to shut down my construction business of 35 years due to medical problems. Right about then the economy went bad. Wife and I lost all of our savings and almost out home. Had a mortgage with XXXX and it was sold to nationstar mortgage. We thought B of A was bad until trying to get a loan modification from nationstar! These people should be in prison- what XXXX We went through all the making homes affordable deal, and they set us up with XXXX XXXX Counseling Service. After submitting all the modification papers to XXXX they sent a letter to nationstar recommending a modification! They along with us sent all the papers to nationstar- which they lost after months of waiting. We sent more updated copies to Springboard and nationstar and after months of waiting they lost them again. We submitted more and more copies over the period of 2 years only to be asked to send more. These people are the most incompetent crooks I have ever dealt with. They kept giving us a new so called- " dedicated loan specialist '' every few months. You could leave messages to these jerks forever and never hear back. I was told 2 times by nationstar people that all papers were complete, and they would have a decision for us soon. Only to be asked for more papers again. My story with them could go on for hours, but must stop. We finally gave up, and filed a complaint with my local congressperson. It helped a bit, but then once again the request for the same submitted paperwork. We have completely given up all hope of dealing with them. They know I am XXXX, and that we are struggling. That 's why they will continue to torture you until they know you will give up. What is our once great XXXX coming to when a company like nationstar ( I refuse to capitalize their name ) can treat people like this, and get away with it. The very people you they make a living off of- so they can pay their greedy CEO millions of dollars a year in bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax got hacked and now my personal information has been exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is against XXXX - XXXX XXXX XXXX - trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group I - Loan ID XXXX. 

Then an internal Bank of America statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX System. Loan ID XXXX. 

Then magic happens and XXXX assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.

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 10/16/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (SC).
Issue: Account opening, closing, or management

Complaint: I have been disputing incorrect information Citi Financial has had on my XXXX credit report for over two years. They have been reporting to XXXX that I have a charged off account that was paid/settled for less than the full balance. I have never been in contact with Citi Financial to discuss a settlement nor did I pay any balance Citi Financial claims I owe for less than the full amount of the original balance. In XXXX XXXX, I received a letter from Citi Financial confirming I have never been involved in any settlement nor have I paid the balance they claim I owe and they would update my credit report to reflect a balance of {$6100.00} within 30-45 days of the letter. That has not happened over the last 15 months. In fact after my last dispute of this account with XXXX on XXXX/XXXX/XXXX, they reconfirmed with XXXX on XXXX/XXXX/XXXX that the account was paid for less than full balance. This currently is and has been false information on my XXXX credit report has impacted my ability to apply for loan items. This is a violation of the FRCA and I request this account be removed from my XXXX report immediately.

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 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole and used my personal information to open a XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending in : XXXX, The accounts are fraudulent, unauthorized and do n't belong to me.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (TX).
Issue: Fraud or scam

Complaint: Acct Service {$65.00} Opened XX/XX/XXXXXXXX XXXX  {$3700.00} OpenedXX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} OpenedXX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen does not explain nor is consistent with additional ; l fees on mortgage account. They have no valid explanation as to why they cant submit the proper XXXX according to agreement in the XXXX modification.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I submitted a dispute to Transunion on XX/XX/XXXX concerning late payments on all of my XXXX and XXXX XXXX XXXX student loan accounts. I included documentation from XXXX XXXX XXXX  showing all 8 of my students were never late and were covered under forbearance without a break in dates. Transunion removed all late payments on all 8 of my student loan accounts between XX/XX/XXXX and XX/XX/XXXX. I received a new credit report via mail to confirm this. Between XX/XX/XXXX-XX/XX/XXXX, Transunion inserted 1 late payment per student loan account back onto my credit report. On XX/XX/XXXX, I received a call from my mortgage lender who informed my that my loan process ca n't proceed to closing because my credit score had dropped XXXX points. On XX/XX/XXXX, I talked to a representative and informed her I am in the process of closing on a home and this information have halted my closing process. She told me that if I get another document from XXXX with a more current date to fax it and the payments would be removed. On XX/XX/XXXX, I called and talked to a different representative. She said they had not received my fax of the documents. I asked her once they receive these documents how long would it take to remove the late payments. She informed me due to the situation it would be immediately since there were notes already placed on my account stating what was needed. I called on XX/XX/XXXX and spoke to another representative. She told me they have received my documents but they could not remove the late payments. I never received written notification that these late payments were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. The only way I knew that the late payments were added on my credit report is by the mortgage lender, who called to say that my loan process could not proceed until this is cleared up. I am currently in the process of closing on a home and these late payments have not only halted that process but has caused tremendous amount of stress.

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 01/16/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company put this on my credit report without notifying me of the debt, did not give the right to disputed, and reinserted an old debt as new debt on my credit file without giving me a five days notice first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX  SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" XXXX-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date.  Experian has been provided with XXXX report reflecting corrected information in response to 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 non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion, XXXX are still reporting outdated incorrect information regarding XXXX XXXX XXXX. I do hot have a balance with XXXX XXXX XXXX of any kind. The balance should be XXXX. XXXX has not reported any updates since 2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

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