milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Bank account or service (Checking account) with E*TRADE BANK (VT).
Issue: Deposits and withdrawals

Complaint: My wife and I file joint tax returns and refunds are issued to both of our names. Federal refund is deposited electronically to the account I specify in Tax Cut software. State of XXXX issues a check that I usually deposit to my account. We do that over a decade. There was never an issue with that. On XX/XX/XXXX I tried to deposit such check by phone to my account ( at E*Trade Bank ) but it was rejected as unreadable - that seldom but sometimes happens. I called them and they said I have to mail it in. But when they received the check, only then they said they could not deposit it to my account, because it was issued to both me AND my wife. This despite they deposited those checks for 15 years every XXXX without a single complaint, and despite me being their customer for even longer than that, and despite both me and my wife have accounts there linked on-line. They suggested that the check may be deposited to our brokerage account since that account is joint account in both of our names. However, a day had passed and I do not see the check deposited in either my checking account or our joint brokerage account. I got an email with the PDF form referring to the name change without explanation. I understood they want my wife to file the name change - because at that bank she still uses her maiden name, and on this refund check she already has my last name. But she did not change the name at marriage, and that change was therefore not recorded on the marriage certificate. She changed it at naturalization. And besides - I am with the form in XXXX, and she and her signature are in XXXX - maybe sometimes during the summer she will find the time to deal with that name change. But we need that check deposited or cashed yesterday, not sometimes in the future. Now their agent can not locate our physical check - she only sees the image of my rejected mobile phone deposit. Which leads me to believe that they were not completely honest with me when they told me the mobile deposit was rejected for readability. If they spoke up about the XXXX names issue, I might have handled the situation differently. But now they are in possession of our check and they are finding an excuse after an excuse for not depositing it, and finally they lost track of it. This is an outrage. They should be held liable for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with ERC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or 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 03-11-2016 about Credit card () with Client Services, Inc. (FL).
Issue: Other

Complaint: Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: Coinbase sold my bitcoin and didn't give me the proceeds. 
Coinbase 's records show for XX/XX/XXXX, a sale of XXXX bitcoin for {$49000.00} using my XXXX XXXX account. The transaction is marked as " completed '', but as of XX/XX/XXXX no funds have arrived at XXXX. Reference code XXXX. 
( Screenshot XX/XX/XXXX at XXXX.XXXX  ) .-.-.-. 

Previous sales of bitcoin resulted in successful transfers of funds to that same XXXX account on XX/XX/XXXX, XXXX, and XXXX, so a failure of the ACH transfer process is implausible. 
.-.-.-. 
My attempts to recover the missing {$49000.00} : .-.-.-. 
XX/XX/XXXX : I inquire through Coinbase 's online support system about the missing {$49000.00}. The case is assigned Case ID XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase email tells me someone is " working with a specialist '' to address the problem. 
.-.-.-. 
XX/XX/XXXX : I ask by email when I might expect to hear from Coinbase. 
.-.-.-. 
XX/XX/XXXX : I phone Coinbase 's support number, but can not get any concrete information about schedule. 
.-.-.-. 

Previous history that might be relevant : XXXX. 
A previous mixup on Coinbase 's part might have contributed to the present problem : .-.-.-. 
XX/XX/XXXX : I sell XXXX bitcoin from my Coinbase account, which should result in a deposit of {$49000.00} into my XXXX account. No money arrives. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase notifies me by email that " this transaction [ ... ] was canceled by your bank '', and restores the XXXX to my Coinbase account. I visit my bank, where energetic inquiries can not find any evidence that a deposit was attempted. Alarmingly, the email is phrased in a way that suggests that Coinbase thought I was purchasing, not selling, the XXXX bitcoin. 
.-.-.-. 
XX/XX/XXXX : I email Coinbase to point out, emphatically, the possibility that they had mixed up buying and selling. 
Case # XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : I start moving bitcoin from Coinbase to a different bitcoin exchange, XXXX. My first tentative transfer is at XXXX PST. When I attempt to transfer the rest of my bitcoin, at XXXX PST, I notice that about 3 bitcoin are missing, and that a transaction has been recorded for the sale of XXXX bitcoin and the deposit of {$49000.00} to my XXXX account. This is the deposit that was never made. 

( ( Hey, CFPB webmaster : this would be much more readable if you gave us some formatting ability. ) )

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am being refused my credit report information due to my having a dispute in progress. I am also unable to access any disputes in question so do not know what they are referring to. Currently, TransUnion is my lowest score and I want to know what is affecting it because I have already applied for a mortgage. This is the 2nd time TransUnion has blocked me unless I buy into one of their credit monitoring services.

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 03-10-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has not provided verification or validation of this debt. This does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX/XXXX/XXXX I contacted Wells Fargo because I initiated a XXXX transfer to a friend of mine. When my friend received the text confirmation, it was telling her that it was being sent to a XXXX XXXX that she didnt have anymore. When she contacted XXXX XXXX, she was told that her account was inactive and in order for her to open the account she had to make a deposit. XXXX XXXX is n't available in California, so she was unable to reactive her account. Her and I got on the phone with Wells Fargo, and we initiated a dispute due to the fact that the transfer was showing that it was going to a XXXX XXXX account ( apparently she had an old account that was attached to her phone number so when i entered hr phone number to send her money, it went to XXXX ) We opened the dispute and now we are being told that the dispute is n't in my favor because it shows that it was deposited. If Wells Fargo contacted XXXX XXXX they would of found out that the account the money is being sent to is n't active anymore and the dispute would go in our favor The amount of the transaction is XXXX made on XXXX. We resubmitted a second transaction of XXXX through XXXX ( due to the fact that it was a rent payment ) and it went through correctly the second time.

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 11/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed an account from XXXX on my credit report over 4 months ago and you have failed to resolve the trade line investigation, based on these facts the trade line must be removed by law

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with GRANITE STATE MANAGEMENT & RESOURCES (NH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Miscounciled and misguided multiple times about my options when communicating my current financial hardship. I was Offered options that were not available to me even after I expressed doubt about those options given and was led to believe my loans were at a status or moving towards a status that would not negatively affect me. In my financial hardship I have contacted them multiple times to work soemthing out until I was able to repay accordingly. Now I am at a point where I do not trust anyone I talk to with this lender because it seems to be getting me nowhere but further and further down. I feel like I have done everything I can in communicating with them and my patience is being tested. My current financial situation is XXXX enough and I have been working towards finding work that can support the cost of living of a single woman on her own. At this point I feel it 's dead end communication in contacted this private loan lender and need help in moving forward with options that are pro active towards bringing me relief during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.

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 02/27/2018 about Checking or savings account (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I opened Access Checking Account # XXXX ( last four ) with XXXX XXXXXXXX XXXX at the XXXX, Florida Branch. I presented " Checking & Savings Promo Code '' XXXX in person. The teller confirmed I was eligible for this promotion and assigned it to my account. Please see attached email " Checking Code.PDF ''. 

I completed all requirements of said offer : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX. The promo code is required at account opening. This offer is non-transferable and can not be combined with any other offers, and valid only for the person residing at the address the offer was mailed to. Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. Eligible purchases include those with either a signature or PIN, excludes Online Bill Pay and ATM withdrawals. '' These steps were completed on XX/XX/XXXX ( please see STATEMENT.pdf ). For these steps, I made five purchases of groceries at XXXX. 

The terms state I should receive {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX 's customer service line and spoke with " XXXX '' ( I retain a recording of this conversation ), in which XXXX spoke with the promotion team and confirmed I am to receive the {$300.00} by XX/XX/XXXX, however no ticket is able to be made until the bank has violated its terms of the agreement on XX/XX/XXXX. 

XXXX XXXX then failed to provide me the {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at I continued to not have the funding and I called XXXX XXXX customer service. I spoke with XXXX ( or XXXX? difficult to hear on recording ) ( I maintain a recording of this conversation ). She stated, " They did indicate that you were supposed to receive that by yesterday, they sent an email over to see what was going on with it. We're just waiting on a replay on that email to find out what's going on with the gift card promotion that you were supposed to have deposited into your account. '' XXXX XXXX has not given me the funds owed as of today XX/XX/XXXX ( see current account status.pdf ) and I request the CFPB 's assistance in communicating further with XXXX XXXX regarding the funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX XXXX XXXX XXXX in XXXX XXXX, Fl for the XXXX program. The school ended up closing down due to Financial Aid Fraud and other unethical issues. I did not receive a diploma of completion from the school or any paperwork stating that I attended XXXX and I also paid a remaining balance of {$1100.00} to XXXX without knowing that the school was going through legal issues and closing down. I have loans totaling over {$16000.00} from a school that 's no longer around.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I paid {$980.00} for a website, logo, & web hosting on XXXX/XXXX/XXXX on my Chase Visa card. I indicated that I wanted the website online by XXXX XXXX. XXXX agreed. I made repeated requests to XXXX to see the website, even if it was unfinished. Those requests were repeatedly denied and ignored, verbally and via email. After emailing, calling and texting XXXX for a week, I decided to terminate the business relationship on XXXX/XXXX/XXXX. I did a charge back with CHASE Visa for {$980.00}. Days later, I reached a settlement with XXXX where I would pay {$360.00} for XXXX to finish the logo ( unfinished at time of termination ) and for web hosting ( completed at time of termination ). I indicated that I would not pay for a website I had never seen, despite repeated demands to see an intermediary or final website product. XXXX agreed. Months later, CHASE Visa ruled in favor of XXXX and sent the {$980.00} back to XXXX, explaining that XXXX proved work had been done on the website. XXXX and I both know that a website has never been produced or delivered to me as the paying client. I did n't pay money for XXXX to allegedly work on a project and never deliver a final product. I, the paying customer, have never seen any work that was allegedly done on the website from XXXX XXXX to XXXX XXXX. There is no signed contract for this agreement to provide services. XXXX has been unjustly enriched to my detriment and Chase facilitated this fraud by returning my funds to XXXX, who failed to deliver the agreed upon service and product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with Choice Recovery, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
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: XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting

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 11/16/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (UT).
Issue: Problems when you are unable to pay

Complaint: Our vehicle was reposed by GM Financial after we traded it into a dealer ship for a new vehicle. Before we could get the vehicle back it was sold at auction. The account was turned into a Charge off on our credit that shows we owe a balance and a payment each month, it was then given to a third party to collect the remaining balance. A judgement was then filed for this vehicle. 
My credit is now being hit twice each month, once for the Charge off with the balance and payment reflecting each month and the judgement showing a balance each month. 
We are paying our payment arrangements with the third party as we can no longer make a payment to GM Financial as they gave our loan to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: unable to get a credit score have all positive items on my credit report. my score should be high. there is no score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra reporting inaccurate info XXXX XXXX XXXX XXXX XXXX XXXX inquires that i did not do

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 09/29/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been waiting for ACS XXXX ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. Wells Fargo is the lender and may have knowledge and/or approved of the following conduct by ACS. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into one federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.

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