milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Several month ago I was referred to Coinbase.com by a coworker. I signed up and deposited funds from my credit card. Months pasted and I need to withdrawal my funds to pay bills. I found out at that point that I could not move my funds into a bank account because I 'm XXXX. There were many like me who were shocked and frustrated that this information was NEVER share by Coinbase.com with its XXXX customers. So infact they knew and never told us. 

Here is the even more pressing issue, on XXXX XXXX I decided to transfer my bitcoin and ether to a XXXX exchange which would allow me then to transfer the funds in my XXXX bank account and pay some bills. I was able to do what I needed to do with the ether but the XXXX not so much. I somehow moved the funds from my wallet to my vault and then realized I had to move it back to my wallet so I could transfer it out to the XXXX exchange. Again on XXXX XXXX this occurred and it said that their will be a XXXX approval period. Today its XXXX XXXX - that is XXXX business, so 15 days past the XXXX approval period. I contacted Coinbase.com to let them know the issue and for XXXX messages I sent I would get an auto response not even addressing the issue. 
What is most troubling is that my XXXX is nowhere it seems since XXXX XXXX, when I moved it from my wallet to the vault by mistake and then tried to move it back to the wallet, I noticed there was no balance anymore in my vault or wallet. 

Then I finally got someone who said they are working with a specialist to fix the issue and that was over 10 days ago and I never heard back from them and you ca n't respond to their email you have to submit a request and let me tell you they try to keep you from doing that as well. I have never experienced anything like this where everyday I contact them and get knowhere. I am about to miss a car payment that will effect my credit and this should and could have been avoided weeks ago. I have no faith that Coinbase.com will fix this in time for me, its been over XXXX weeks. An important fact to is that the value of bitcoin has dropped significantly since XXXX XXXX and I feel helpless to get access to my money. This is so far from being right and I 'm unsure what the FCC really does to prevent crooks like this from hurting alot of people. 

Even if this get rectified, I will still miss my payment, continue to be stressed over something that could have been dealt with properly. They clearly do n't care at all and these types of people make one loose faith in humanity not to mention the so called authorities that are supposed to govern or ensure no wrong doing. Not sure what is going on this planet but the level of greed is only growing and seems nobody really cares. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was transferred from XXXX XXXX XXXX to SLS Services effective XXXX/XXXX/16. I have spoken with customer service representatives half a dozen times and sent repeated communications. 
1 ) They changed my monthly minimum when transferring my loan as they require 2 months reserve escrow rather than one month. This increases my monthly mortgage without my agreement and now creates a difficult situation to be able to pay the monthly amount. 
2 ) The continue to fail to credit my account for the monthly mortgage and rather apply it direct to principle despite paying timely payments and communications. They transferred the loan on XXXX/XXXX/16 and I did n't find out about the transfer until XX/XX/XXXX. Two payments were made in the original loan amount to my original mortgage company in the amounts of XXXX ( pay XX/XX/XXXX and XX/XX/XXXX effectively ). I spoke repeatedly with customer service and was told to pay XXXX XX/XX/XXXX and that will cover both the XX/XX/XXXX and any missing funds due to the change in monthly minimum due to the increase in escrow funds. I then paid XXXX XX/XX/XXXX which was intended to cover XX/XX/XXXX. They are still disputing that I am missing an entire monthly payment.

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 12/21/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX XXXX account, by XXXX in New York and New Jersey.. when asked i was informed it was for a credit card i had open with Providian national Bank in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (CA).
Issue: Managing, opening, or closing account

Complaint: There has been several issues. I was charged incorrectly for my card. Rush card owes me XXXX and refuses to pay. I had XXXX fraud fees on my card of XXXX each and they still have not investigated it and have not taken measures to refund y account or secure it. 
For two week + I have not been able to use my card.I have direct deposits that have mysteriously disappear and my balances have fluctuated They are crooks and I want compensation for all the turmoil I have been though I have called the company a number of times with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been receiving bills for care credit. I received a letter from a collection agency stating that I have a balance of {$4800.00}. I contacted the company directly when I received the first bill and wanted to know why and what I was being billed. They told me that the dental office I was going to applied for the card. I advised them that I never received a card nor did I apply for a card. I asked them to cancel it as I never applied for it. They stated they would look into it. that was back in XXXX. I am still receiving bills. I contacted them again today and was advised they would have someone else contact me. I have been trying to get this issue resolved from the first bill but still to no avail. Someone else 's name along with mine is also on the letter and the bills that I 've received from care credit and the collection agency.

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (I do not know) with Second Round Limited Partnership (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.

Company response to consumer: Closed
Consumer complaint received 04/28/2015 about Debt collection (Medical) with ARC Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company in question. Sent a typed letter and hand wrote mine and my wife 's SSN # on the letter. This is a breach of state and federal law and I want to pursue action against them.

Company response to consumer: Untimely response
Consumer complaint received 06/26/2015 about Debt collection (Medical) with RMB, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RMB Inc has posted an account on my credit report in the amount of {$5400.00}. I was covered under Alabama XXXX XXXX at the time of the service due to pregnancy. I believe that RMB should be pursuing Alabama XXXX instead of me for payment of this bill. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details. 

In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim. 

I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all. 

In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Unexpected or other fees

Complaint: The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XX/XX/XXXX, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. The credit balance showed up on my BlueBird by American Express account within a day or two. On XX/XX/XXXX, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that funds in the amount of {$520.00} " have been returned to the merchant. '' Almost a year later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline ( even though American Express has already stated in writing that the funds were already returned ). Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. After almost one year, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost a full year. American Express 's written communication from almost 1 year ago indicated that the funds " have been returned to the merchant. '' American Express, by its own omission, has not returned the funds almost a year after making this statement. This is fraud committed by American Express, as this statement was made in an attempt to deceive. I am requesting that a check in the amount of {$520.00} ( the account  balance ) be sent to me immediately and the BlueBird account formally closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Spoke to the orginal creditor of the account ; XXXX. They confirmed with me on XX/XX/XXXX that the account has a XXXX balance and was sent to XXXX XXXX   in error. They provided me with a reference # XXXX and advised they would inform the collector that the account was paid in full in XXXX. The collector has since removed the negative remark from my XXXX  credit report but added to my XXXX credit report the following day.

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 08/27/2015 about Debt collection (Auto) with Gurstel Law Firm, P.C. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I checked my Trans Union Report and discovered Trans Union had put two negative accounts on my credit profile. The two negative items are from XXXX XXXX XXXX XXXX XXXX. Upon further research I discovered that the last update supposedly reported was on XX/XX/XXXX. This is absolutely bogus. I have a trans union report obtained in XX/XX/XXXX that will explicitly show that these two accounts were never on my report in XX/XX/XXXX as stated by Trans Union. These accounts did not appear on my account until after the XXXX breach. I tried to go on line to dispute these accounts but was not allowed by Trans Union. I request Trans Union remove these Bogus accounts immediately and not put them back in the future. Also Trans Union should be penalized for adding negative information without validating this information.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a previous customer of XXXX XXXX ( XXXX ), an electric utility company that provides reporting to the credit bureaus, when I lived in XXXX ( XX/XX/XXXX-XX/XX/XXXX). In early XX/XX/XXXX, I was reassigned for work to XXXX XXXX. Upon moving from XXXX, I requested that XXXX disconnect my service. XXXX terminated my service as requested ; however, I did not receive the final bill from XXXX. I was only notified of an outstanding balance on my XXXX account in XX/XX/XXXX when I was called by a collection company. I suspected the collection call was a scam so I hung up and immediately called XXXX. I was advised by the XXXX representative that I did in fact have an outstanding balance, but that I would be all set if I resolved the matter with immediate payment to XXXX. In light of the XXXX representatives assurances, I paid the outstanding balance at that time and settled my closed account with XXXX. Despite the XXXX reps assurance, I recently discovered that XXXX  reported to TransUnion and XXXX that I was delinquent and referred for collection in XX/XX/XXXX( however, I paid and closed the account in XX/XX/XXXX)! On XX/XX/XXXX, I attempted to dispute the inaccurate reporting through TransUnion ( and separately through XXXX ), but after investigating TransUnion informed me on XX/XX/XXXX that the reporting was verified by XXXX as accurate and updated. Nevertheless, my TransUnion Credit report still reflects collection in XX/XX/XXXXmore than three years after it went to collection and was paid in full ( and despite the fact that the XXXX representative indicated there would be no collection issue ). I immediately called TransUnion to follow up and they told me that I would have to submit a dispute ( again ) to get the date corrected, even though I had just attempted to dispute it! I also notified a XXXX representative of the incorrect reporting via the Better Business Bureau ; however, XXXX has not notified me of any intent to take corrective action. The XXXX reporting to TransUnion therefore remains inaccurate. The collection ( which never should have been reported for collection in the first place ) occurred in XX/XX/XXXXand despite my best efforts to dispute it, is still reflected in the TransUnion report as occurring in XX/XX/XXXX. Please help me get this removed from my account. A screenshot from my TransUnion Credit Report is attached as evidence that XXXX continues to incorrectly report to TransUnion that my account was referred for collection in XX/XX/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