milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Money was not available when promised

Complaint: I sent the following transaction from XXXX, in the amount of XXXX LTC ( worth {$650.00} USD ), to XXXX on XXXX XXXX, XXXX. 

Completed XXXX XXXX LTC XXXX Address : XXXX Txid : XXXX Then I received the following email from XXXX. 

Your Litecoin deposit of XXXX LTC ( worth {$650.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team And then this email. 

Congratulations! You have successfully sent XXXX XXXX ( worth {$650.00} USD ) to XXXX  using Coinbase. 
This withdrawal is being sent to an address ( " XXXX '' ) that you have n't previously used. 

View this transaction https : XXXX I have no funds on either my Coinbase account or my XXXX account even tho it shows it was completed and sent to XXXX Exchange . 

I have called both Coinbase and XXXX customer support and I have multiple tickets open. I have attempted to reach them on twitter and reddit and email. This is now the 10th day in which I am unable to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion shows incorrect account status, outstanding balances, no information, negative information, etc. Transunion does nothing when the incorrect information is disputed.

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 06/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Chase bank closed my bank account with out any warning or notifications on XXXX XXXX of 2015. If I did not log on to my account mobile I would have never known that it was closed. I went to the branch on XXXX the banker XXXX XXXX kept giving me the run around he was not giving me any valid explanation due to my account being closed. He kept " assuming '' that it may have been fraud or someone was depositing checks that were not in my name. Which still does not give me an explanation. Then the banker stated that i should be receiving a letter in the mail about the cancelation of my account, which I still have not received. Now I can not receive my payroll check and it is very very inconveniencing me and my bills. I have been calling customer service for the past XXXX days and they tell me something different everytime. First the money should be on my account by Monday, then it should be there by Tuesday morning and I can pick it up from the branch, now they have to verify and send me a check. Why could they not let me know this before hand they know how there procedure works. I have no documentation because they have failed to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Settlement process and costs

Complaint: i had an equity line of credit from citizens my mortgage was from citizens one. 
my line of credit was for XXXX of which i spent XXXX and had a credit limit of XXXX when i refinanced with another bank they not only took my XXXX away without my permission they assesed me a charge of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I wrote a check on XX/XX/XXXX, Check Number XXXX for {$390.00}. I got home and realized store misrepresented sale, called my bank at ( XXXX ) XXXX, requested they stop payment on the check, which had not yet posted. 
When it posted on XX/XX/XXXX, recalled Bank, told me I had to file a different type of claim. I went into my branch to sign documentation onXX/XX/XXXX and told Bank would not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: On the XXXX of XXXX some went into a bank in New Jersey and deposit a check for {$3500.00} into my daughter account She lost her debt card few weeks ago on the bus, Someone must of pick it up and use it @ XXXX for {$1900.00} then went to Atm and withdrawl {$500.00} At the time there was No money on her card How they let them transaction happen i dont know Now her account is - {$2400.00} and they want me to pay they been taking all the money out of my other account as well They denied my despute and there reason was They check the history of Atm uses and said there were different people using her card Which is not true

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with The CMI Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09/25/2015 about Debt collection (I do not know) with Worldwide Recovery LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.

Company response to consumer: Untimely response
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with SECURITY FINANCE CORP (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I bought a new suv and XXXX XXXX XXXX which they failed to disclose they stopped reporting years ago an the company they have my loan with which they own PFS has been licensed in the state of Florida. XXXX XXXX has been sued before for fraud and I am filing federal charges for fraud as well. 
This company is frauding hundreds of consumers from coast to coast knowing they dont have to report but not disclosing that during loan signature

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 04/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TransferWise Ltd (ME).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX. 
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day. 

XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions. 

The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again. 
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also. 

XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded. 

XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BBVA Compass bank incorrectly reassessed my escrow account basing my estimated taxes on the previous year ( which was a partial year of taxes since I had just moved into the home ). They did this same thing with my brother who has a mortgage with BBVA Compass. When this happened to my brother I went into my local branch and specifically asked them if my escrow account would be funded correctly. They reassured me that my escrow account was accurate for my taxes and insurance payment. A year later now and I received a statement showing a deficit in my escrow account and stating that my mortgage payment would increase by about {$400.00} a month. I explained to them this is unacceptable and that I do n't have an extra {$400.00} a month laying around. They basically stated that their was nothing they could do even though they were at fault for not calculating the correct amount of estimated taxes by looking at the published tax rates for the county/city.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE APPLIED FOR MORTGAGE ASSISTANCE WITH MY LOAN SERVICER - SPECIALIZED LOAN SERVICING ( SLS ). SLS HAS NOT PROVIDED TO ME A WRITTEN DECISION. IF THEY HAVE DECLINED ME, SLS HAS NOT PROVIDED ME A 30 DAY APPEAL PERIOD. IN ADDITION, SLS HAS DEMANDED THAT MY EX-WIFE SIGN A QUIT CLAIM DEED SO THAT SHE WOULD NOT NEED TO SIGN DOCUMENTS. MY EX-WIFE DID SIGN A QUIT CLAIM DEED AND IT WAS RECORDED. SLS HAS NOW REVERSED THEIR POSITION AND DEMANDS THAT SHE SIGNS DOCUMENTS. MY EX-WIFE HAS NO INTEREST IN THE PROPERTY AND WILL NOT SIGN DOCUMENTS. SHE HAS BEEN REMOVED FROM TITLE. SLS KNOWS THIS BUT CONTINUES WITH THIS ODD BEHAVIOR BECAUSE SLS PREFERS TO PROFIT FROM FORECLOSURES AND ENCOURAGES DECLINES ON APPLICATIONS FOR ASSISTANCE IN ORDER TO ACHIEVE THIS PROFIT OBJECTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in default of my mortgage, and since i was not able to keep up with the payments due to some unforeseen circumstances, they offered me to do a loan modification. I finally went ahead and did the modification ( even tho I was skeptical about it ) but in the process they said i would still have to make payments on my home so i would not lose it while being considered for a loan modification. I took a loan out on my XXXX OVER XXXX and flagstar said it had to be a cashiers check, well I followed every instruction that was given to me at the time, but no one ever said it is in underwriting and had then been approved until i applied the cashier check to re-instate the loan. Come to find out, I was not suppose to re-instate the loan while under a modification. my contact person said it would be okay, just keep paying the amount of the loan modification and once the trial period of XXXX months the modified loan will be determined and papers would be sent out with the new modified permanent rate, I would need to sign them once I get them and return them as soon as possible.. I paid it as instructed, this was from XXXX of 2015 until XXXX 2015. When I called loss litigation to make a payment for XXXX 2015, the rep said I have re-instated at my initial mortgage amount that I was never told about via phone or mail, email. this is an amount I am unable to pay due to my financial status, not one time before i made the lump sum payment after taking a loan out, was I told not to do so, that it would reinstate me and cancel my loan modification. now I am not sure what is going to happen. I feel i was miss-informed or better yet not informed on what not to do as oppose to what i should do. i may lose my home and plus have almost depleted my XXXX because of it. on top of that included in the fees I had to pay the late fees, which would have been forgiven if i was instructed not to pay the lump sum, and paid the attorneys fees the went through.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 I refinanced my mortgage from a 30 ryear to a 15 year, with the same lender, Stearns Lending. It was an FHA refi. They reported me as paying late as of XXXX XXXX 2016 because the title payoff they received on XXXX/XXXX/16 was a few XXXX short. they received 99 % of the payoff on XXXX. Did n't even attempt to contact the title agency until XXXX/XXXX/16 to report the fund shortage .Regardless, my payment was not over 30 days late because they received almost the entire balance of my mortgage on XXXX which was far more than my {$1300.00} mortgage payment due by the XXXX .... I have tried for a week to get a hold of them my credit has gone down XXXX points and is now affecting my ability to lease another car. I 'm at my wits end I do n't know what to do this is very very dishonest of them and no one will fix it. I have not had a late payment ever.

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 10-06-2015 about Debt collection (I do not know) with Atlanticus Services Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Balance transfer

Complaint: Transfer BalancesDiscovercard - when you transfer balances from other cards to Discovercard they have a low rate for a period of time XXXX, but when you make payments they apply to the transferred balance and not the pervious balance on the card which is XXXX .... so there is actually an increase in interest rate to XXXX which is unfair and a fraud type of transaction. 
Al payment should be applied to the older balance due - first in first out. This practice was not disclosed .... the Company when called, says they have to do this by law which is false!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not authorize this company to pull my credit report they have pulled my XXXX and XXXX report i have tried to get this dealt with but they have not been helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: coinbase.com wo n't let me withdraw money I have sitting in my mobile wallet, despite having followed all of their instructions to have my bank account verified so that I can withdraw funds ; They also with very little signage only allow withdrawals in XXXX, when i sold my cryptocurrency i converted it to XXXX  thinking i would be able to withdraw, they charged me a fee for this -- they are now going to charge another fee to convert it to XXXX so that i can withdraw ( or so they claim ), this is ridiculous! Despite having followed their instructions to the letter my bank account is still unverified and so they are not allowing me to withdraw my money that is sitting in the mobile wallet. No one from their support has returned my email, I dont expect that they will, their forum is FULL of people complaining about the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I bought a recreational vehicle and financed it through Bank of America over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years

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 08-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: FedLoan : Account Number : XXXX XXXX XXXX I requested letters regarding payoffs, as well as a credit bureau update. I had two loans with FedLoan. I have received one letter regarding only one of my two loans I paid off. ( The attached document they sent only refers to one of my loans. ) I paid the combined balance on both loans. I request that they please send me documentation detailing that both of the loans have been satisfied. Sincerely, XXXX

Company response to consumer: Closed with explanation