milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OR).
Issue: Money was not available when promised

Complaint: XXXX/XXXX/XXXX I opened my Coinbase account and bought {$1000.00} of XXXX and {$1000.00} of Ethereum with money transferred from my XXXX XXXX XXXX account online. 

The XXXX was n't available to trade for well over 2 weeks, and of course with several attempts to inquire ... no one was available to answer me. 

XXXX XXXX, XXXX I tried to sell my bitcoin at a posted price of {$19000.00} but their system was down. There was nothing I could do but watch my money disappear as the value steadily dropped. I tried several times to log in but the system was down all day. Now it says my account is locked. I ca n't get into my account and access my money and I have tried to call them hundreds of times. I found phone numbers off of the local phone listings, their own customer service number, their main switchboard, as well as dialing random extensions within the company. I sent emails to their support email, contacted them through their customer support twitter, I sent messages to many people at Coinbase through their linked in accounts. Nobody, and I mean NOBODY is responding to address the issue. And I know there are XXXX 's in the same boat. 

They are an exchange built to process transactions but their system is not able to handle it and they are unwilling to address the issues while locking people out of their money and not accountable. They should be fined if not banned. Lawyers, regulators, and politicians should be all over them. They are VERY DANGEROUS and a SIGNIFICANT LIABILITY! If XXXX XXXX randomly didnt let people access their accounts for weeks and didnt answer ANY customers.there would be a national uproar. This is on that scale!! How many people are involved and how much money is involved in bitcoin and through Coinbase??? This is massive and must be addressed immediately! 

And out of all the calls made and people contacted on various platforms, NO ONE answered or returned my calls/messages. 

Please : 1 ) Read comments on @ Coinbase and @ Coinbasesupport on XXXX XXXX ) Read comments on Coinbase and Coinbase Support on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In 2010 I applied for the XXXX XXXX XXXX XXXX XXXX. I received a letter for approval indicating that all loans eligible for the program would be transferred to FedLoan Servicing and the others went to XXXX XXXX. I paid on these loans for 5 years only to be told last year that only XXXX of my loans ( out of XXXX ) with Fed Loan Servicing qualifies for the program. This is in direct contradiction of the initial approval letter. I do n't have XXXX special loan, all my loans fall into XXXX of XXXX categories so this makes no sense to me. Of course it is the smallest loan that only qualifies. Up until this point all loans where on the same repayment schedule/had the same due date. Now this loan has been separated out and has a different due date. I was told I can consolidate the loans, double my interest rate and then all loans would qualify for the program. I do n't understand why this just came up last year, why the loans where transferred to them if they do n't qualify and now 5 years of payments mean nothing. I would have to pay on the loans for a total of 15 years as opposed to 10 years thus never obtaining the benefit of the program. Why did they ever end up with my loans if they did n't qualify? I smell a rat and I do n't like it

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Closing/Cancelling account

Complaint: I was a long time credit card holder of the LL Bean Visa with Barclay Bank. I received a letter on XX/XX/2017 that was dated XX/XX/2017 that my credit card would not be reissued because the ratio of payment too outstanding balance is too low. '' I attempted to discuss the matter with them. They are the ones which figure the payment amount. I have not been late on payments. I used the card for a balance transfer of XXXX for the life of the balance transfer and only used the card for LL Bean purchases. They continually lowered my credit limit over the years. I only used the card before it expired so I did n't loose the LL Bean points towards my next certificate. I have n't had any other credit card companies drop or not renew my credit cards. Barclay is the only one. I tried to resolve this issue with them directly and there was no resolution because they did n't feel they were wrong in the determination.

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 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have the inquires on the attachment that should be deleted from credit report. Did not authorize these inquiries. I have contacted these banks as well about this. Included emails stating not to go through all these banks for 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 non-monetary relief
Consumer complaint received 01/28/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted by Transworld systems attempting to collect a debt that I supposedly owe XXXX XXXX XXXX. The alleged debt is {$37.00}. 

I have no idea what the debt is for and I would almost pay it just so the don't try to ruin my credit, but they do not even communicate what the debt is for or a reasonable way to pay the debt online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NATIOSTAR MORTAGE IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other fee

Complaint: I signed up for a XXXX Rewards Card through Chase. My reason for signing up was Chase 's promotion that if you spend {$3000.00} in the first three months you will get XXXX reward points. However, before signing up I noticed an {$85.00} annual fee, but their own website says {$0.00} introductory annual fee, then {$85.00}. 

The material from Chase 's website is attached. However, instead of waiting a year to be charged this annual fee it was assessed to me immediately. This is misleading and false advertising. I would have no issue paying the {$85.00} fee after I have the card for a year, but instead I will be charged XXXX annual fees in XXXX year. I attempted to resolve this informally with Chase, but they ignored my request. 

I actually like Chase, but this is XXXX time in XXXX months I have had to submit a Complaint for various interest/fee charges on Chase Credit Cards.Each time I have attempted to resolve it informally with Chase, but nothing was done and I filed a report with CFPB. I am an attorney California Bar # XXXX and although {$85.00} is not the end of the world this is deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid, was a  charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is  stated as FP ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced  by credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason  XXXX  took such action was because I express dissatisfaction with how  XXXX  was handing my credit investigation with  XXXX   XXXX   XXXX  . The  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX Pleaes help me get this matter cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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: I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Regional finance contacted XXXX of my listed references and discusses how much I was behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have made portfolio recovery aware  on 3 o ccasions that the debt that they were trying to collect did not belong to me. the accounts  XXXX  for the amount of  XXXX  and the account  XXXX  for the amount of  XXXX . I have requested documentation that validates the debt belongs to me since they have not removed it being notified that the debt was not mine. I spok e to one agent that said they would just sell the debt or sue me so i may as will settle it to get  rid of it. I spoke to the next agent after asking for validation again they sent me credit card statements with my name on it for validation. I told them if someone opened an account fraudulently it would be in my name. I sent them a copy of my signature to verify signatures. The agent then instructed me that they do n't have any signatures, contracts, applications or identifications. Yet will not remove this fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I am struggling to pay my mortgage due to a decrease in income and a divorce which has increased my expenses and support requirements. The situation became unmanageable for me in late  XXXX . On  XXXX   XXXX ,   XXXX   I submitted a loan modification request package to  XXXX ,  XXXX   (   Atlantic Bay Mortgage ) by mail. I was supposed to receive word in 30 days on the matter. I waited u ntil  XXXX   XXXX ,   XXXX   to call them and was told I had n't supplied all the requested documentation and then was sent a back dated letter concerning that. I sent requested documentation in numerous times by fax or mail and was told things were missing that I had sent. I about gave up on the process after I received a notice once again on  XXXX / XXXX / XXXX  that the package contained expired information. They seem to be trying to prevent my application from being considered by having a 30 day window in which I receive notice to supply further information and when sent, they then say other documentation has expired. To prevent that, I submi tted via US Mail  with signature confirmation a complete new package with all current documentation requests on  XXXX   XXXX ,  XXXX . The package including the application  was 44 pa ges. I called on  XXXX   XXXX ,  XXXX  to inquire about the matter and was told they had received documentation, but it was expired even though it is the latest available such as bank statements. The agent hung up on me when I insisted all documentation requested including the current bank statements was in that package. I believe  XXXX -Atlantic Bay is deliberately mishandling my paperwork to prevent processing the home loan modification. I had a friend who experienced a similar scenario with their lender.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with Synovus Bank (FL).
Issue: Billing disputes

Complaint: 30 day late payment assessed. Payment sent XXXX XXXX, not processed until XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I was told by XXXX XXXX XXXX that I was approved for a trial modification. In XX/XX/XXXX received a foreclosure sales date. The sales date was removed and my loan was transferred to Select Portfolio Servicing , inc in XX/XX/XXXX. Select Portfolio Servicing, Inc. stated that they did not have any record of the trial modification being offered and that I would have to submit a new modification package. I have submitted modification packages every XXXX months for the last XXXX years. Every occasion I am told that I am denied for incomplete information. In XX/XX/XXXX I was told that I no longer qualified for any home retention options. Because I was offered a trial modification and defaulted. I was never offered a trial modification. I was told that my only options were a short sales or deed in lieu. I choose to do a short sales and submitted paper work within the stated time frame. A sales date for XX/XX/XXXX was scheduled before I was giving notice that the short sale was denied. I contacted HOPE hotline and an investigation was opened. Because of this the foreclosure sales date was postponed. As a result Select Portfolio servicing offered a deed of lieu. I mailed the documents that were required to start the deed of lieu. The next day I received notice that my property was to be sold at foreclosure sale on XX/XX/XXXX. I contact Select Portfolio Servicing in regards to the foreclosure sale and was told because the sales date was so close that it would not be possible to do a deed of lieu. 
After reading countless horror stories from consumers about the treatment that they have received from SPS, I felt my situation would have a better ending. I have done everything within my power to get an affordable modification on my property. But, I have only received lie after lie. So I am filing this complaint on the grounds of LOAN MOD RUN-AROUND, DENIAL OF INFORMATION, AND LIES ABOUT AVAILABLE OPTIONS, and DUAL TRACKING OF LOAN MODIFICATION AND FORECLOSURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Billing disputes

Complaint: I am reporting predatory business practice by Bank of America, Alaska XXXX credit card. I have had the same card in the past and experience the same practice but was working, and it was easier to pay it versus fight it. Now I have encountered the same predatory practice and am filing a complaint because I can not afford the charge. 
I contacted XXXX XXXX XXXX on XXXX/XXXX/2016 informing them I wanted to stop automatic charge to the above credit card company informing them of the plan to cancel the account. I requested paper billing and they agreed. At that time I also pointed out a discrepancy in the agreed monthly charge and they made the adjustment. 
I then contacted Bank of America on XXXX/XXXX/2016. I explained about my recent XXXX and my desire to pay the balance including any charges accrued up to that date. I gave them my checking account information and paid the amount stated which was {$4200.00}. I told the person I did not want to receive a bill later with some charge as was my experience in the past. I was told I would not, as the amount due was complete. 
The next month I received a bill from Bank of America stating XXXX XXXX XXXX had charged the monthly fee and then an interest fee of {$41.00} was added! I called Bank of America and informed them of the failure of both companies to do what they had agreed to do. The person told me to contact XXXX XXXX XXXX. I tried and was placed on hold. 
On XXXX/XXXX/16 I receive an email from my credit protection services informing me Bank of America had made a negative notation on my credit report. I received a bill from Bank of America recently with the " interest '' charge of {$41.00}. It 's interesting to me they charged this amount after the account was closed based on a non-authorized charge from XXXX XXXX XXXX. The charge from XXXX XXXX XXXX had been removed. 
I am very upset. It is known, many people who work full time do n't have the time to dispute fraudulent charges and go ahead and pay these type of charges resulting in millions of dollars in profits to these companies. I am now XXXX, can not afford to pay for this fraud and will not.

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