milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX, I sold {$13000.00} worth of bitcoin on the Coinbase app on my phone and had the funds transferred to my XXXX XXXX on coinbase as {$13000.00} ( due to a XXXX dollar fee ). This wallet is NOT my bank account and the funds should have been in my account instantly as soon as the bitcoin was sold. 

The sell shows as completed on XXXX/XXXX/XXXX at XXXX. 

The XXXX XXXX which the funds should been in INSTANTLY afterwards still shows as pending. 

I have sent multiple service requests and multiple emails with nothing more than just 1 response with no answer as to why my money is still pending. They have no longer responded after the first reply on XXXX XXXX, which, as I said, provided no answer. 

I have attached screenshots of my outgoing and pending transfer. 

My case number is # XXXX I also have other transfers/buys/sells which have gone through, but not this one.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: We have spent over 5 hours on the phone with Equifax trying to get signed up for their Trusted ID because the  verification link does not work ( we have tried for 8 days all hours ). When you call after over 50 minutes on hold twice they have hung up on us because they do not know what to do. Same phone hang up when trying to get a freeze put on the account at another number Equifax gave us for that " service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: We live in XXXX TX and were one of many families whose house flooded due to Hurricane XXXX. We have flood insurance and met with our adjuster XX/XX/XXXX. During the time were were waiting to see our adjuster we ripped up our floors, drywall and cabinets and started the drying process at the request of the adjuster. We have located a contractor and submitted all documents necessary to the mortgage company Penny Mac. We were issued a XXXX immediate release of contents money and XXXX of Dwelling. It was an enormous struggle to get the " Immediate Release '' of funds returned to us. Our Adjuster wrote a letter to the Penny Mac Loss Drafts department ordering them to release the money so we could continue to move on plus reimburse ourselves for the expenses already incurred. On XX/XX/XXXX the XXXX dollar check finally arrived. We contacted the adjuster and explained how long Penny Mac held our check. and asked if she would release another XXXX so we could proceed. She agreed and XXXX cut another check. On XX/XX/XXXX we 2 day Priority Mailed the check to Penny Mac. They have been holding the check ever since. I have called so many times I have lost count. I am given a different excuse as to why I can not collect the funds every time I call. Please check the websites XXXX XXXX XXXX and XXXX XXXX. We are unable to live in our home and are currently using our auto insurance proceeds to help pay contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This would be 3rd time I've tried to get XXXX to correct information on XXXX XXXX XXXX regarding a car loan that was paid off. Documentation was submitted. Seems every time I try to get this fix suddenly my score drops 30-50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with ONLINE Information Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After viewing a copy of my  credit report, I noticed a collection account placed on my credit report from Online Information Services  on  XXXX   XXXX ,    2013  for {$190.00} I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of th  e fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.
I am aware that the HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my i   nformation to your company Online Information Services Cease any Credit Bureau until this debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I decided to put my mortgage payment of $ XXXX/mo, property taxes of $ XXXX/yr, and flood insurance of $ XXXX/yr into an escrow account with my mortgage company in order to spread out payments into small monthly amounts. At about the same time, I discovered flood insurance ( XXXX XXXX XXXX. ) for {$520.00} the first year and {$320.00} from then on. I switched from the {$1600.00} to the {$520.00} policy immediately. Bank of America then let me know that they needed to have the flood insurance paid in advance for the year and they also shanghied my home insurance by paying it off. This gave them control. This did not help me spread out payment over 12 months and they expected me to pay {$620.00} for flood insurance from some company they preferred. I said, Stop! I do not want your escrow. It does not help me, costs more and I would loose control of my finances. Go away!
They pretended to hear none of this and continued with an escrow account that I did not want. Worst of all they expected me to pay for 2 flood policies. Is n't that illegal? By XX/XX/XXXX, they handed my case to collections to harass me. Every time I called them to explain that I never approved any of this, some voice would assure me that it was being changed back. Do n't worry. I 'll take care of it, they would say.
It is now XXXX  and they are still trying to extort money from me that I do not owe and can not pay. I am XXXX and living on Social Security. These amounts may seem small but for me they are huge. These amounts are not in my budget and I can not pay they. Bank of America is a heartless monster that lies, cheats and steals to make a nickel. I never was told what they were doing and they never asked my permission. They are just bullies that have no respect for clients or the law. NEVER do business with BoA. They offer credit cards, mortgages, etc so they can trash you and take all of your money. Seriously, they are quite dangerous. Run away from Bank of America!!!

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 04/27/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I purchased a home in XXXX, we both signed VA loan with XXXX XXXX XXXX. Several years later my husband took out home equity line of credit for XXXX. I did not sign this loan it is in his name alone. I did however sign the lein to our property. In XXXX, my husband died due to XXXX XXXX Exposure in the XXXX XXXX. He left no assets and his estate was probated, leaving the home solely in my name. I contacted XXXX XXXX XXXX and the loan was behind due to medical expenses. XXXX XXXX XXXX did a loan modification for me on the orriginal loan. I am not sure I should have had to pay fees for that loan but I did. When I contacted Wells Fargo, they would not give me any information on the loan, would not eeven give me the terms because my name was not on the loan. They even locked me out of the online account services. I asked if I occuld assume the loan, and they said they could not dicuss the loan with me. They did say that I was not responsible to pay the loan as my name was not on it, but since I signed the lein if it wasnt paid they could forclose. So continued to pay through my bank 100 dollars every month ( the amount due monthly was XXXX ). I still had no idea what the terms of the loan were. A few months ago a statement made it through to my house. This is when I learned this was an intrest only loan with a balloon payment due in XXXX XXXX. I called Wells Fargo and at this point they now said I was elligiable to refinance. Why not three years ago? I dont know, I paid three more years of nothing. The original amount was XXXX I now owe XXXX. I cant get a strait answer out of Wells Fargo and now after fighting scrimping and saving to keep my family home for myself and XXXX children, I risk loosing it even though I have paid XXXX toward the loan over the life of the loan. The last three years without my knowledge that none of it was going toward the principle. Now they are trying to get me to go into a work out??? why I have never been late? They keep sending me hardship paperwork to fill out. My attorney says I am not liable for the loan and shouldnt have had to keep the terms for the last 3 1/2 years. So now a widow of a XXXX XXXX at risk of loosing the family home because of a financial institution taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (OH).
Issue: Trouble during payment process

Complaint: I have attached all information pertaining to my case please review all information from National City Bank ( PNC ) Bank. The procedures were unjust and unfair. I have 2-1/2 feet of documentation that I need to dispose of and I was just advised not to destroy in case someone want to review the case. I feel that I am interfiled to compensation not only for the errors but, emotional distress this suasion has caused. This case is more than similar to the case that was printed in you article about the women that took two years to resolve her nightmare issue with her mortgage while she remained in her home. I had to move out of my home due to Sharif 's orders after doing everything correct. PNC bank received funds that I worked hard to get from back taxes, the first modification was not transferred back into my name legally and I was forced into bankruptcy due to the situation in order to afford the terms and assessment that never existed. So I paid rent to PNC bank thinking that the home was mine and caused undue distress trying to do sue. I did no qualify for HAFA and did not qualify for the {$500.00} for turning over the keys to the home. I was under home emotional stress my signifigant other was XXXX in XXXX and my home was in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditors, XXXX, XXXX XXXX, and XXXX XXXX Solutions and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. Equifax only continues to update the accounts associated with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

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 03/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Late fee

Complaint: XXXX Card services was bought out by Capital One, I was never notified, my payments continued to go to XXXX, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a XXXX late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be XXXX days before this is corrected. My statements clearly show my account current until Capital One took over in XXXX 2013. Even though I am being charged late fees, my payments were still made monthly and on time, my due date changed from the XXXX of the month to the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 

MY OFFICIAL COMPLAINT IS AGIANST SYNDICATED OFFICE SYSTEMS DBA CENTRAL FINANCIAL CONTROL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OHara Holdings, LLP (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On or about XXXX I noticed an unauthorized hard inquiry on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ. ( XXXX ) XXXX. After repeated phone calls to this place I finally got a hold of someone there and was told they have no idea why this was done. At this time I had no reason to apply fro any type of credit be it by a new card or a purchase/ Calls have still gone unanswered from this place. I spoke with XXXX and they said I can not get this removed even though they furnished the info to these people unauthorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: TransUnion lists the Chapter XXXX Bankruptcy status on my report as 'Filed ' and states that it will remain on my report until XX/XX/XXXX. 

First of all, since the bankruptcy was filed in XX/XX/XXXX it can only remain on my report until XX/XX/XXXX. TransUnion plans to keep it on my file an additional three years, which is in violation of FCRA. 

But more important is that my bankruptcy status is DISCHARGED as of XX/XX/XXXX. Showing the status as only FILED implies that I am still under bankruptcy and is currently harming my ability to apply for new credit. 

I have disputed this item twice with TransUnion and both times their results have simply been 'Verified as accurate. ' My attached discharge notice clearly disproves 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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX   which I am not located in their systems. I have contacts XXXX several times with these issues and nothing has yet to be done. I have also asked XXXX for written proof of verification and was told they do n't have any. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Consumer Loan (Installment loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Balance for XXXX Account # XXXX incorrectly display account details and % rate details.

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 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying huge late fees when I should n't have been paying them at all or very less than what I have been being charged. Also, I have been given misinformation every single time I call them with questions and each time a different person gives me completely different answers. It has been extremely frustrating working with this company. My loan amount was very large and I live in California for my job so the fact that they have been essentially stealing money from me for years has impacted my financial situation to the point where I could probably have bought my own place by now but am forced to rent a room at my brothers house. I paid them about {$8000.00} up front as soon as I graduated for the " outstanding interest '' ( not sure if that 's the exact name ), have never missed a months payment and have never deferred on my loan so I have been a good customer to them for many years now and I feel violated by the misinformation and have made so many life choices based on the extra money they have been charging me and the terrible information they have been giving me over the years. Going to university was supposed to be the greatest thing you can do in life and an honor and it 's been nothing but a nightmare ever since on the repayment side of it. I want to stress again that I have been working full time for years in a related field to my degree so i have fulfilled my obligations so far on my loan and they most certainly have not.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXXbank - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX These inquiries were removed from my credit report and added back without written notification which is in violation of FCRA Section 611. After speaking to a Transunion representative who admitted to a glitch in their system but claims my report was not effected, they refused to remove ALL inquiries that were unlawfully added back to my report. This caused a dramatic change in my credit score and I am demanding that these inquiries be DELETED from my credit report.

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 08/28/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation