milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Shortly after XXXX I open an account with Coinbase to trade digital currency. After setting up the account and sending them a small test deposit I wired a larger amount for {$10000.00}. When I attempted to trade they required a second level of identification verification. That step failed and I have not been able to either complete the trade or get my money back from them. For over a month now they have kept my {$10000.00} in Hold and I have not been able to access it. They have told me to open a support ticket and has been open for over a month now. Phone support does not help and they keep telling me it has been escalated to the highest possible level. It is not right that they have been keeping my money unavailable for this long. They provide me no other solution then to just keep waiting. I am more than willing to provide them any information they require

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: My payments to OCWEN are supposed to include tax payments to XXXX and insurance payments. A few months back I received notice from the insurance company that my policy had been cancelled due to lack of payment even though all my payments to OCWEN have been on time. Then I found out that OCWEN purchased another policy for me that was more than double the cost of the policy they let expire. I have since found another insurance policy for a much more reasonable price and I have paid in full for the entire year. Now the issue is after phone calls and letters, OCWEN will not readjust my escrow payment so I am still paying a higher price they originally calculated. I never chose OCWEN, this company was forced on me When Indy Mac sold my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.

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 09/28/2017 about Debt collection (I do not know) with Monterey Financial Services LLC (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax , is sharing my private credit information with others who are not me without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Like so many consumers throughout the USA, I am enslaved by the Credit Reporting Agencies Their intent is to keep consumers credit scores as low as possible and making it difficult to remove any negative items from their personal credit reports.

Experian is the number one choice of most Credit Card Companies and the number one violator of consumer rights under the FCRA. I like millions of others have worked for months and years of time and spent thousands of dollars to correct our credit reports. It would take pages and pages to document dates and actions.

I had finally got all of the incorrect information from my reports incurred by Identity Theft when I was hit by a rash of hard inquiries on primarily my Experian Credit Report. I had a 7 year Fraud Alert on my Experian report effective XX/XX/XXXX. Despite this 7 year Fraud Alert, Experian continued to allow hard inquiries.

I contacted Experian and spoke with a call center in XXXX XXXX  and a portion of the hard inquiries were removed. There remains some hard inquiries that is hurting and denying me credit opportunities.

The Hard Inquiries that Experian has not removed after disputes by phone are as follows : 1 ) XXXX Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ).

2 ) XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) 3 ) XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) If have not signed a credit application requesting credit from these companies and Experian violated the terms of my Fraud Alert.

Unless Experian has a signed and dated Credit Application they must be removed. XXXX XXXX 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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both XXXX ; Experian and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.

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 10/19/2015 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Customer service/Customer relations

Complaint: I periodically send money through MoneyGram International "housed" by Wall Mart XXXX
XX/XX/XXXX, I requested for a copy of my XX/XX/XXXX transaction with the company. The Wal Mart branch told me that it is the headquarter XXXX that handles such matters. I was asked to direct my request to:
The Manager/Supervisor, The MoneyGram International, XXXX Tel. XXXX.
I contacted it. The employee who attended to me by phone asked me to go on-line on their website to make my request. I did as required: 1.) a photo id,  and 2.) $XXXX fee. I sent the XXXX as required the address above XX/XX/XXXX.

When I did not hear from the company XX/XX/XXXX, I called. I was transferred from one employee to the other. When no one could produce an answer, I requested to speak to the supervisor. It was the most frustrating moment. I was put on hold for 0ver XXXX minutes with annoying music playing in my eyes. I had to hang up without answer.

I went back to Bank XXXX from where I bought the $XXXX money order. On around XX/XX/XXXX Bank XXXX confirmed that MoneyGram International cashed the money order XXXX XX/XX/XXXX and produced a copy of the endorsement by MoneyGram International.

When the company would neither refund my money nor produce the requested copy of my XX/XX/XXXX transaction, I , XX/XX/XXXX went back to their branch in XXXX to report what had happened. Once again, I was asked to direct my complaint to the XXXX headquarter. On the same day, I got on phone to ask why he company would get my money and not meet my request. The response was frustrating and disgusting for 45 minutes: it was a merry-go-round transfer from employees who identify themselves as XXXX assuming they gave my correct names. I told XXXX that I have had enough transfer and would like to speak to the supervisor. "Hold on," she said and left me on phone for another 30 - 35 minutes with the usual aggravating music. I hung up. 

I waited 40 minutes and called again. The same thing happened. This time, I was transferred XXXX, Before he could ask for another transfer, I asked him to let me talk to the supervisor. "Hold on," he said and started playing the usual horrible music  my ears. He neither came back to attend to me nor did any supervisor pick up the phone until I gave up after XXXX minutes.

This is my case. I have endured this unethical, irresponsible, and unprofessional treatment from MoneyGram International. The company gives me the impression that it is a bunch of cronies, operating a business to see how much dupery they could get away with  outside he XXXX headquarter. 

I will appreciate your intervention to right the wrong.

Thanks.

P.S I have a copy of the endorsed money order

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (VA mortgage) with BB&T CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need help.

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 08/25/2015 about Debt collection (Payday loan) with Bryant Bryant & Associates LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Kept receiving calls from XXXX. A XXXX XXXX called and left me a message that she needed a defensive statement for a lawsuit. Called number back but no answer. Looked up number and its reported as a scam. Then almost immediately I get a call from XXXX. I answered it and a XXXX XXXX answers and wants confirmation of my name. He then proceeds to give me my social security number and dob and a case number of XXXX. I never verified with him who I was so why is he verbally stating this type of information.its illegal.He then gives me another number XXXX and stated its check services for XXXX county Florida and that I have to pay him XXXX immediately or they will serve a warrant for my arrest and deliver it to my employer. I triesnto explain I do n't owe any money to this company and that my computer was hacked and personal info stolen during this timeframe he gave me. He said good luck and disconnected. I learned that the XXXX number is also calling and harassing my relatives and telling them I am wanted for check fraud. I am not familiar with XXXX ; the company they state I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of XXXX XXXX check XX/XX/XXXX. I was told by Transworld systems Inc and XXXX XXXX XXXX XXXX XXXX XXXX said they will offer a buy out in XX/XX/XXXX. I 've heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Pay pall smart connect account was stolen and used to make purchases in an amount of {$500.00}.

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 09-11-2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Credit card protection / Debt protection

Complaint: I 'm charging that Citi Credit Card company sabotage my credit rating by lowering my available credit below the current accelerated voluntary payments and then report to the credit bureau that the card is over the limit. They have continue to do this from some time. The latest event in XXXX over {$1800.00} available and payments over {$700.00} paid. Then in XXXX over {$700.00} in payments made with a minimum payment of {$110.00} due. Then in XXXX over {$400.00} in payments ( XXXX/XXXX/15 ) with only {$85.00} due and Citi lower the credit limit between the XXXX/XXXX/15 and XXXX/XXXX/15 and reported the over the limit to the credit bureau on XXXX/XXXX/15. This type of policy cost the client XXXX discount deals that may be offer by other organizations by keeping cards at limits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people. 

The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center. 

The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX. 

I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me. 

I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to this.

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 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Other mortgage) with AMERICAN EQUITY MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: My newly former manager has been contacting customers for loans XXXX and XXXX without a license and has been doing so since as early as XXXX/XXXX/2016 when he took over as branch manager. There are XXXX mortgage originators licensed XXXX in that office and XXXX in PA but not the branch manager. He has violated XXXX rules since he arrived 7 months ago.

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