milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: In XX/XX/XXXX, I used Coinbase to buy and sell Bitcoin. I have over 200 ( I 'm a XXXX citizen, but Coinbase are a US based company ) in my account which I now wish to withdraw.

On XX/XX/XXXX, I followed Coinbase 's instructions on how to verify my bank account. This required the sending of a SEPA transfer in Euros from my account to Coinbase using a specific reference code. A total of 6 was sent, in accordance with their instructions for minimum values. Coinbase claims that it will take 1-2 days to verify a bank account. I followed their instructions to the letter, and when my SEPA transfer showed up in my Coinbase account the stipulated reference was clearly visible.

I grew concerned after 4-5 days that I had not heard anything, but gave Coinbase the benefit of the doubt given that it was XXXX. However, after 10 days I decided to get in touch to check the progress of my account being verified. Coinbase 's website makes it very difficult to get in touch with them. The only mechanism for 'contact ' is a bot helpdesk which was unable to give any advice on the matter at hand. When I did eventually find an email address onXX/XX/XXXX, the email bounced because it is no longer in use. A response from Coinbase gave a separate email to contact.

I emailed this new address on XX/XX/XXXX to request an update as to when my bank account would be verified. My request was very clear - it stated that I had followed their instructions, successfully deposited a SEPA transfer, and that I just needed my account to be verified. I got a response that same day from an employee called XXXX, but it simply listed the instructions on how to verify an account - they did not make any attempt to address the specific issues outlined in my correspondence. I responded to XXXX within 15 minutes to clarify my request and ask that they simply confirm when my account would be verified. I then received a response the following day ( XX/XX/XXXX ) stating that my case had been escalated to a specialist. That is the last I heard from Coinbase.

I emailed them chasing a response on XXXX XXXX, XXXX, XXXX, XXXX, anXX/XX/XXXX, and have sent multiple XXXX/private DMs to their @ Coinbase and @ CoinbaseSupport accounts. They are simply refusing to respond.

At this point I am very distressed by this matter as I now believe Coinbase to be a scam company who are stealing money from innocent investors. Screenshots of my Coinbase account showing verified receipts of SEPA transfers with dates are attached as evidence of my having followed their guidance correctly, and to versify my account of the dates in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (RI).
Issue: Fees

Complaint: I received a {$60.00} prepaid card as a rebate for a set of XXXX tires, which I had misplaced for a time. When I found it, it appears to have expired within the last couple of months. I called the issuer to request they re-issue the card ( I had not used any of the stored value ), but they refused. While I understand the concept of expiriation dates, I feel the company should have reissued the card as the date only around 6 months from issue and had only recently expired.

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 09/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am requesting wells fargo send my original mortage loan documents with my original signature on document to any local branch within XXXX miles of my property so I can examine the document. I am once again stating my mortgage documents were altered by wells fargo and its employees. My rate was changed. 

And recently the investigation regarding wells fargo and XXXX plus employees doing fraud on other XXXX plus wells fargo customers re affirms my claims that my documents were altered. 

I am requesting to see the original mortage note and mortage documents. 
Below is a previous case Info. Above is updated info I am requesting. 
I am a victim of Predatory Lending. Please see attached documents. Wells Fargo is refusing to provide complete closing documents. They are downplaying HUD-1 Documents were it shows I am not suppose to pay mortgage insurance. They provided me a copy of a document which I signed at closing, which only shows the following : Page XXXX of attached documents shows no signature from me. 
Page XXXX document is altered. Under where it says Estimated taxes and insurance, someone typed in Includes Mortgage Insurance. This clearly looks typed in. 
Page XXXX also shows someone typed on the bottow left, Initial Print XX/XX/2013. No other document shows this. This was typed in there during my complaint process. 

Wells Fargo provided XXXX document which I was told to sign at closing and that it was a mistake and they would fix it and not to let the closing get delayed because of this. 

I want this matter investigated properly.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have called them, called bureaus and wrote them disputing

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Yes we my wife bought a car and in order for her to get the car I had to sign in on the note as well. Right now we are separated and have been for a year she got a rent house to stay along with my son and I 'm paying child support as state order we both had jobs that downsized which changed our income tremendously and I 'm staying with my sister and husband. Now I 'm trying to get a place for myself to live but GMAC has a suit on me and I was denied a place to live because of it with no idea of the suit.My name is XXXX XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX XXXX, Texas XXXX ... XXXX ... ssn XXXX. But the return on the automobile was vouluntarily on my wife part because she got a better car for the prices and it was stated to her to do that..my its affecting everything I want to do..it just killing me to get ahead here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with P&L Acquisitions LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: P & L Acquisitions sent me a letter dated XXXX XXXX, 2015 saying that I owed over {$4000.00} for a credit card that had been charged off over 5 years ago. The orignal balance was {$750.00}. The statute of limitations has long passed in XXXX ( the location of the credit card company ) and XXXX ( the state I reside in ). I have sent a letter to the agency stating so and that they are no longer able to legally collect on this debt. I have received XXXX letters and numerous phone calls about this debt. In the most recent letter, I have been threatened with legal action if I do not pay the debt in full within 30 days. I am waiting to hear back from P & L Acquisitions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I contacted Quicken Loans on Friday XXXX/XXXX/16 and spoke with XXXX to discuss refinancing my FHA mortgage. I informed XXXX of my estimated credit score, how much the original loan was for, and how much the remaining balance was, as I wanted his honest opinion on whether or not he could help BEFORE he pulled my credit. I told him that other lenders have told me that attempting to refinance after only 6 months would not be possible. XXXX immediately informed me that Quicken loans had very aggressive products and could do things a traditional lender could n't do. He stated that he felt sure he could save me hundreds of dollars on my monthly payment and that my current lender would most likely not want to refinance my loan as they were earning money from the interest. I asked XXXX if he felt that Quicken loans could save me a substantial amount of money every month to which he replied " absolutely. '' Feeling encouraged, I gave him my social security number and authorized a credit pull. He told me he would " run the numbers '' and get back to me. I spoke with XXXX again on Monday XXXX/XXXX/16 but his tone was considerably different. He informed me that my debt to income ratio was too high and that it would be difficult to do anything for me. He ultimately stated he could refinance my loan saving me a whopping {$40.00} per month but I would have to front almost {$3000.00} in closing costs ( at that rate, it would take my 6 years just to break even again from the out of pocket costs ). I asked him " is this the type of aggressive products Quicken Loans offers? This is XXXX! '' I contacted a supervisor on XXXX/XXXX/16 to discuss and spoke with XXXX XXXX. I told her about the situation and asked her to remove the credit pull from my history as I felt XXXX performed a traditional bait and switch and falsely advertised what Quicken Loans could do for me. She stated she would look in to it. XXXX then called me back on XXXX/XXXX/16 and informed me that there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have soooooooooo had it. I do n't have a " file '' number because they deleted it in 2012, YOU CA N'T KEEP A DEBIT THAT IS TOO OLD. YOU NEED TO DELETE IT. AND I HAVE DISPUTED IT, AND DISPUTED IT. IT IS ANCIENT HISTORY, JUST BECAUSE XXXX XXXX SOLD IT TO XXXX BANK DOES N'T MEAN IT IS NEW THIS IS A VIOLATION OF THE LAW

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 12/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Since XX/XX/XXXX, Bank of America ( not our bank ) has been withdrawing funds ( termed " pay by phone '' ) from our brokerage account with XXXX XXXX. We have no idea where these funds are going and have never approved any such deductions from our account. 
XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$40.00} We contacted the Bank of America fraud line and were told that our bank would need to initiate a fraud complaint. We were told by XXXX XXXX that it was up to Bank of America to solve the problem and that the only recourse they have would be to close our account and open a new one. Thus, all direct deposits ( Federal pension, etc. ) would need to be rerouted to the new account. We have filed an FTC complaint ( # XXXX ), but to date we have not been able to stop the withdrawals.

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 10-05-2015 about Debt collection (Credit card) with Coastline Financial Resources, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed an official dispute with Equifac on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as mistated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Equifax return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Equifax has not provided any further information to explain why they have decided not to update their files.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I wrote a letter to Procollect asking to verify and validate the debt as it is my per the FCRA. it seems as if no investigation was carried out. they sent me a letter back " typed word document '' that simply said I owe XXXX dollars demanding that I pay immediately. I then called and asked questions on having the correct documents sent to me they need to have on file to collect a debt from me per the FDPCA ad the FCRA. 
after being hung up on twice I was finally told by the supervisor that the do not have the documentation. But they continue my try and make me pay and its on my credit report. 
they are In violation of federal law.

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 06-08-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: my payroll check has cleared ( my job 's bank XXXX XXXX XXXX ) but my bank Huntington has my funds on hold it was deposited XXXX/XXXX/16. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind with my mortgage payment around XX/XX/XXXX because my business income had decreased. I had to close my XXXX and find work. In XX/XX/XXXX I found employment. The damage was already done I had no choice but to file bankruptcy in XX/XX/XXXX. Then XX/XX/XXXX I went thru divorce. In XXXX XX/XX/XXXX I hired an attorney to help me apply for loan modification with Nationstar. This process took some time. XXXX XXXX I was denied because due incomplete application. My attorney resubmitted my paperwork again XXXX XX/XX/XXXX. This time I got approved for loan modification for HAMP. My attorney received an email from the foreclosure attorney for Nationstar stating I was approved for HAMP on XXXX/XXXX/XXXX and the first trial payments starts XXXX/XXXX/XXXX. As of today Nationstar has failed to provide the approval of the trial agreement. We have called and emailed the attorney for status of the agreement and they have failed to provide. I am asking for your help to find out if I was approved for loan modification and if yes, why is it taking them so long to provide the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I paid the bill out of fear. 
Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I got a notice about some unusual activity on an account that I set up for my younger brother to pay his expenses while in college, basically transferring all the money electronically to a different account through a program called XXXX. After confirming that it was n't initiated by my brother ( it was not ), I called and immediately asked for a hold to be placed. For this, I was charged {$30.00} which pushed the account into overdraft, but I was not worried, because I was assured the money would be returned in short order. Fast forward to 4 days, the transaction clears, to my incredulity, for which I was charged an additional overdraft fee. Furthermore, a number of transactions for very minimal accounts were in processing PRIOR to this transaction being posted and I was charged an overdraft fee for all of them. Finally, the bank decides to decline a transaction from paypal for {$9.00} and {$5.00}, respectively. I was charged a {$35.00} NSF fee for each transaction. As if this were not insulting enough, XXXX and the bank then proceeded to recharge, and return those transactions a stunning XXXX times, charging a {$35.00} fee on each occurrence. What should have been {$200.00} that remained in the account, taken out due to unusual activity that I immediately notified the bank to not process, instead resulted in a cascade effect in which not only is the {$200.00} gone, the account currently sits at a negative balance of {$610.00}, of which {$490.00} is solely due to XXXX and the bank attempting to collect the same {$9.00} and {$5.00} multiple times a day for multiple days, and then returning the payment and charging me, despite no permissions granted to do as much. Completely egregious and none of this should have ever happened

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 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Approved Merrill Lynch - Merrill Lynch XXXX XXXX and XXXX XXXX XXXX, your credit card application has been approved! You will receive your credit card within 7-10 days and the Welcome Package within 10 to 14 days at the address you provided. Application type Online Application ID XXXX Application date XXXX/XXXX/XXXX Decision date XXXX/XXXX/XXXX Bank of America on XXXX/XXXX/XXXX denied for this account after it 's been approved saying that my account has already have too many " significant accounts opened '' after I was approved by the XXXX team at BofA on XXXX/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 explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with ASTA FUNDING INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. 
THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. 

THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. 

MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.

Company response to consumer: Closed with explanation