milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other service problem

Complaint: Around the XXXX or XXXX of XXXX i had to factory reset my phone due to numerous problems. I was not able to use the phone long enough to change my 2FA ( 2 Factor Authorization ) settings on my virtual currency exchanges. I do n't have the security keys to install new tokens, once the phone was restored. I had do reset my connection with more then one exchange, and all but coinbase have been a fairly straight forward experience. This usually involved additional verification of id, some wait time, done. I have contacted coinbase via their SUBMIT A TICKET OPTION several times. The first time was on XX/XX/XXXX. The last time was yesterday XX/XX/XXXX. I have followed all their instructions, i submitted additional id info, which was accepted. The usual response is in a form a standard form answer. At this point i ca n't follow their instructions any longer because it requires me to have a new phone number. None of the steps recommended by coinbase have worked. I also went thru the steps to reset XXXX, as per coinbase recommendation, which is a 24 hour reset process. All my other security tokens are available on XXXX except for coinbase. I have contacted XXXX support, and was informed that coinbase manages their own tokens, and mine has been disabled/revoked. I have not received an answer from coinbase on this issue. There does n't seem to be any other way to contact support except for the SUBMIT A TICKET option. And the response time for any ticket seems to be about 3 to 4 days. Most of the answers received come from a no reply email. So the only way to ask questions or respond is to SUBMIT A TICKET. At the time this started i believe the value of my account was around {$12000.00} to {$13000.00}, i ca n't be sure since i ca n't check my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have about XXXX hard inquiries on my credit report that arent from me!! Also i noticed on my report there 's info from supposedly me that dates back to XX/XX/XXXX. I was actually XXXX since i was XXXX so its false.. my birthday is also off by a year. It states XX/XX/XXXX. My birthday is XX/XX/XXXX. I would appreciate it if my credit report was analyzed because theres so many disputes its ridiculous. Thanks

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 04-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I opened the Checking Account with BofA on XXXX/XXXX/XXXX with the {$100.00} bonus offer. The bonus offer was confirmed by the BofA banker at the time of account opening and I also received a letter after around 1.5 months of account opening that I have completed XXXX XXXX conditions of getting the bonus and only XXXX condition is left, which was also satisfied by XXXX XXXX XXXX as per the conditions. I approached the banker regarding my bonus after XX/XX/XXXX and the banker confirmed my fulfillment of all the conditions for receiving the bonus and he initiated my bonus credit process and told me that I will receive it in sometime. After that I have been regularly following up with the bank, they always say that they are investigating however I am not getting a satisfying response and no bonus thus so far. One day I was surprised to hear from the Branch Manager that the banker who opened my account did a mistake telling me that I was eligible for the bonus and refused to honor my bonus even though he agreed it was their banker 's fault and he also told me that I can go ahead and close my account if I want to do so, which was very dissatisfying and depressing. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems fraudulent and deceptive. Now I am left with no option, hence reaching out to you expecting justice.

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 monetary relief
Consumer complaint received 10/17/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Closing/Cancelling account

Complaint: I checked my credit report on XXXX/XXXX/2016 to learn that Synchrony Bank closed my XXXX XXXX XXXX Credit Card for non activity and carrying a {$0.00} balance on XXXX/XXXX/2016. I called Synchrony Bank on XXXX/XXXX/2016 to re-open the account and they refused and told me to re-apply and that it can not be re-opened if closed for non activity. All my other creditors allow me to re-open accounts without a problem. Im not re-applying for another account just to have a hard credit inquiry on my credit report. These creditors get you coming and going.

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 08/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have notified Equifax on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Loan was sold from XXXX to Pioneer Credit. They have called countless times and not left messages and when I call the number ( s ) back I either am on hold for over 20 minutes with no answer or I get a message saying the number is no longer in service. However my biggest complaint ( s ) is that they called my church and demanded the secretary to speak with me ( I do not work in my XXXX ). They have also called a nonprofit organization that I sit on the board for twice, once leaving a message and the other lying to the secretary stating that they are old friend from the past and have important paperwork that was sent to them by mistake that they need to forward 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 explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had cancelled bottled water service with XXXX. They said they would come by and pick up the water cooler and XXXX remaining empty bottle. They would send me a final bill. 
Within a month i received a collection notice from Collection Bureau Of America for {$340.00}. 
I called them and they said I needed to return the cooler and bottle and then pay the balance. They would not know the balance until I returned the items. I called XXXX to ask what happened and they do not have my information any more and I need to call the Collection company to find out where to return the items. I called the collection company again and they gave me an address but did have a phone number!. 
This is now showing on my credit report as a collection item when XXXX was supposed to pick up the items.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX " forward dates '' XXXX charge offs. Thus the " drop off dates '' are almost a year past the seven year term mandated in the Fair Credit Reporting Act. 
The XXXX main credit reporting agencies reports sometime report the correct first delinquency 's but they incorrectly designate the " drop off dates ''. 
Additionally, XXXX deletes the contradictory information from ( my ) credit report ( s ) when a dispute occur ( ed ) - thus eliminating the evidence of their misreporting found in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX that is damaging my credit score and it is incorrect information in my record. I never received any calls on this, and as soon as I found out I called XXXX. I spoke with XXXX XXXX representatives, and with the collections agency that XXXX uses and none of them saw an outstanding balance in my account. I would like it removed from my credit score as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX I sent a letter requesting information about a loan payment increase due to an escrow shortage. But, I my pmts were misapplied as mortgage pmts and I dont have a shortage. I also asked about my pmt history report. The company said the have 60 business days to respond, but have not and I have applied for a HARP loan that can not move forward until I get these issues resolved. They keep telling me they escalated the issue, then at end of the 12 weeks, I get a letter stating they need more time. But, 60 business days equals 90 calendar days and I still have to pay the aditional fee for the shortage, can not get my HARP refinance, and cannit get anyone to explain why it is taking so long to send the information requested and fix an escrow pmt error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Payday loan, title loan, or personal loan (Title loan) with Ad Astra Recovery Services Inc (NV).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX  or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX  asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with GC Services Limited Partnership (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Gc Services Limited Partnership is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: As per your request iam seeking to complain for same reason to equafaix, they have rong information on my report tats adverse to my record ... as with trans union. please add these to my complaint..it involves a judgement removed.. as much te XXXX and both XXXX bills and the credit card .... we wish, these adjusted and removed .... the XXXX card in fact, we ask credit collectoras stated to send proof, it beyond statu of limitation, but was n't as we stated not mine. they sent doc belonging to unknown party, who was a plumber? Ive been in XXXX XXXX since 2004, never was plumber ... .or have employees or plumbers ... .. thank you .please refer to original complaint,. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Medical debt) with R & B Corporation of Virginia (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a XXXX dollar deductible and XXXX dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this ha

s since been corrected and the claim has been paid, leaving no patient responsibility. our files show that although you are not the network provider, your claim was  submitted indicating you agreed to accept assignment. therefore, you have agreed t
o accept the XXXX maximum allowable charge as payment in full. the beneficiary is
only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.

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 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo is reporting a bad credit card account to my credit that I was only an authorized user on and not financially responsible for by definition.

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 12/27/2016 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (WA).
Issue: Fraud or scam

Complaint: I had purchased a REloadit pack in the amount of {$470.00}. The REloadit pack number was ( XXXX ) and when I tried to apply the pack to my REloadit account, I received the error " Invalid Pack. '' Concerned, I called REloadit and was hung up on several times before finally reaching a person. The representative told me that someone else had claimed the pack and a refund is being processed to that person! I was asked to send a selfie holding the REloadit pack with the receipt, to prove that the pack is mine, and was assured that I will get the refund instead. However, even after sending all of this in, they said the refund is being processed to the other person. They are completely unresponsive to emails and I have to call every time just to get some excuses and incompetent people telling me that I cant get my money back. There is some big fraud involved here for sure and I will not be using this service again until I receive some sort of resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX/XXXX/15 called XXXX how to do a split transaction using a {$200.00} XXXX gift card I rec 'd XXXX which expires XXXX/XXXX/15 to purchase my ticket for XXXX w/bal. paid XXXX -- got a confirmation XXXX on phone, was told to go to airport in XXXX, XXXX to run 2 cards thru for payment, got a printout of my flights, and XXXX said they were holding the money on the card for 8 days which is totally wrong and illegal but I was guaranteed XXXX that the price and seats would be held till all went thru. Waited till day before my trip to respond to their e-mail to check-in and no e-mail -- they wrongfully canceled all after I had obtained my confirmation # for the trip and then had the audacity to charge my visa an outrageous sum of XXXX for this flight of XXXX XXXX XXXX XXXX companies need to be reprimanded and fined heavily for the grief they caused me over this transaction XXXX. This is reprehensible for these 2 companies to be allowed to conduct business in this way. I would appreciate your strong action and help in this matter. I 've already filed a dispute action obviously with my XXXX card. I never want to go thru this again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO & COMPANY, AND ALL AFFILIATES AND ALL SUBSIDIARY ' S OF THE PARENT, WELLS FARGO & COMPANY. IS SAYING THEY OWN MY MORTGAGE AND NOTE/ I HAVE CHECK IT BY AUTOMATION ON THERE PHONE SYSTEMS. AND HAVE COME UP WITH IT SAYING THEY DO NOT HAVE A MORTGAGE IN THE NAME OF THE PARTY. SO HOW COULD A AFFILIATE OF OR A SUBSIDIARY OF WELLS FARGO & COMPANY SAY THEY OWN MY MORTGAGE AND NOTE? WHEN THEY SAY THEY DO NOT AND HAVE NEVER HAD A MORTGAGE AND NOTE OF THE SAID PARTY? I HAVE FILED THIS SAME COMPLAINT TO THE DOJ, FBI, AND ATTORNEY GENERAL OF MASS. WANTING ANSWERS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: Approximat ely five yea rs a go   XXXX   XXXX   sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a  nightmare ever since. Every year they raise my payment twice. Last  one with a note that by law they can hold up to two  times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didnt know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they   XXXX   XXXX  . I didnt have that kind of money just laying around to send them so they charged me a late charge for thei r   XXXX   XXXX  . Th ey have not paid my insurance in a timely matter and I received several notices of cancelation. Every month its is something with them. Mind you I have never had a late payment in the  twenty five yea rs I have had this mortgage.     Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didnt pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase {$62.00} in   XX/XX/XXXX   and I thought it was  XX/XX/XXXX . I paid my usual payment in  XX/XX/XXXX . T hen came the harassing phone calls. I explained it was an honest mistake on my part and would include the {$62.00} dollars in my next payment. They were having nothing to do with. Even though they had my {$1100.00} they would not post it because of the {$62.00} shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have {$4700.00} of my money they payoff is {$3300.00} which means they owe me {$1400.00}. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over {$62.00} dollars.

Company response to consumer: Closed with explanation