milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Money was not available when promised

Complaint: Coinbase is a digital currency exchange. They promised all customers that held any amount of bitcoin on their exchange on XX/XX/XXXX that they would be credited with the same amount of bitcoin cash by XX/XX/XXXX. Customers had a choice of storing their bitcoin in a " digital wallet '' or in Coinbase 's secure " multi-sig vault. '' Coinbase pushed customers to store their funds in the " multi-sig vault, '' as the vault was advertised as extremely safe. 

I had 1.9+ bitcoin 's stored in Coinbase 's multi-sig vault on XX/XX/XXXX. On XX/XX/XXXX, Coinbase added bitcoin cash to their exchange and credited all customers who stored their bitcoin in a digital wallet on coinbase 's exchange on XX/XX/XXXX. However, they did not credit any customer who stored their bitcoin in coinbase 's multi-sig vault. On XX/XX/XXXX, coinbase emailed me stating that they have credited everyone, accept people who stored their bitcoin cash in the multi-sig vault. They stated that they are having technical issues and their engineer team is working on the issues. They provided no timetable as to when I will receive my bitcoin cash. 

I have emailed Coinbase 4 times ( without receiving a response ) and I 've spoken to customer service reps/managers at least 5 times since XX/XX/XXXX. Nobody can provide me an answer as to when I will have my money and they just state that the issue is being worked on. 

On XX/XX/XXXX and XX/XX/XXXX, bitcoin cash was worth between {$3500.00} and {$5000.00} a coin. Today, bitcoin cash is worth {$2600.00} a coin. Coinbase created an unfair market and allowed customers to sell their bitcoin cash on XX/XX/XXXX and XX/XX/XXXX for {$3500.00} to {$5000.00}, whereas, I was not provided this opportunity. Coinbase has essentially stolen my bitcoin cash and my ability to make money trading other digital currencies. I was planning on selling my coins as soon as I had access to them. If I would have been credited with my bitcoin cash on XX/XX/XXXX, just like the majority of customers, I would have sold at {$5000.00} a coin, for a total of {$9500.00}. If I was credited with my bitcoin cash today, and sold, I would receive {$4900.00}. Coinbase has cost me at least {$4600.00}, due to their unethical business practices. 

Coinbase has not provided any additional information in 23 days, and they will not release my money to me. Before coinbase added Bitcoin cash and credited customers storing their bitcoin cash in a digital wallet on coinbase, they knew they would not be able to credit customers who stored their bitcoin cash in the multi-sig vault. Yet, Coinbase made the unethical decision to add the digital currency to the exchange and to credit some customers. This is an unfair business practice and very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I had applied for a home mortgage at wells Fargo bank and got a appraisal thru them to start the process, half way thru the home mortgage loan it was declined. my next move was to look for a new mortgage broker and lender so i did find XXXX. My new home mortgage loan is about 95 % complete and the only thing holding us back from closing on the property is an appraisal transfer from wells Fargo. my lender, mortgage broker and i have requested to wells Fargo to transfer the appraisal but they have refused this request. My issue is wells Fargo not providing the appraisal transfer to my new lender as requested which i feel very disappointed of this, since i cant close on the house which there 's a possibility i can lose the house. I dont know my legal right for this type of situation but i feel like wells fargo has not meet the needs of the customer and would like to exercise my rights.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On or about  XXXX   XXXX ,   XXXX  , my credit card company lowered  XXXX   XXXX   XXXX   XXXX   XXXX  my available balance from {$4500.00} to {$2400.00}, which is approximately the amount owed. I have used my credit card, well within the terms of our agreement, and I have made my recent financial decisions based on my credit line. This decision came without notice, and has now demolished my credit ratios, and ruined m y credit score . I have asked the company to please advise me of any appeals process. Thus far they have refused to reconsider this decision on the face, or otherwise advise me of any appeals process. They are being extremely unhelpful.     I have a 100 % on time payment with this card, and with every other card, and with every other debt that I carry. I have a job, and I own a home, and  XXXX  cars. It 's not so much the money that I am concerned about, it 's that this malicious action has jeopardized my  credit score,  and therefore my financial well being and that of my family.

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 03/27/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I have been contacted by a credit card issuer that I have had a card in good standing since XX/XX/2005. They are asking what I feel are personal questions such as " Are you a US citizen? ". This question as with the others questions were answered when opening the account and I feel they are intrusive and unnecessary for me to continue using the card. They write " Please respond right away. Otherwise, we may be required to restrict or close your account. '' Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is falsely reporting XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX as included in a Chapter XXXX bankruptcy. This is FALSE. Equifax has been repeatedly informed that this information is FALSE and it is now jeopardizing a home mortgage application. This is creating a huge liability for Equifax that I should think they would want to resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NEW YORK COMMUNITY BANK (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Ohio Savings Bank, a division of New York Community Bank ( NYCB ), is getting out of the loan business because of their own financial problems. They just announced the sale of their mortgage business to XXXX XXXX, and they are laying off 200+ mortgage employees in XXXX . However, long before that, they started calling in loans last year. Even though our HELOC was in good standing, they called in the loan -- forcing us to refinance -- which in turn will cost us closing costs and hours and hours of time. We started refinancing in XX/XX/XXXX. However, for a variety of reasons beyond our control, the refinance did not close by their XX/XX/XXXX deadline. Now they are threatening collection activity, foreclosure, negative reporting to credit bureaus -- all for a problem they created. We are basically waiting for one document -- a XX/XX/XXXX tax transcript from the IRS -- to finish the refinance. I have talked to the tax advocate office, but they say they ca n't speed up the process. We 're probably talking about 6 weeks at most, but NYCB is unwilling to give us that time. Instead they are requesting reams of more documentation so they can provide " mortgage assistance '' that we do n't even want. All we need is time to finish the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: It seems every other month there is issues with all XXXX credit agencies. My score now has dropped in just the past year. XXXX points. The way I found out is a chapter XXXX I filed in XXXX and XXXX XXXX XXXX XXXX was part of the chapter XXXX I filed back then. The case ended in XXXX XXXX, XXXX and the XXXX were reporting I had a balance. So I sent them all the report from the court that it was paid and closed to take it off. Now just in the past year I found ( XXXX ) HARD Inquires which I never applied for anything.. ( XXXX ) - from XXXX XXXX XXXX ( XXXX ) - from XXXX, XXXX XXXX ) -from XXXX XXXX and XXXX card, XXXX XXXX XXXX XXXX XXXX NCS, Factual data/XXXX. I contacted them all and they say they ca n't take them off with out a letter from each Inquire. I do n't know what to do it ruined my credit I am working hard to restore. I am sure it is Fraud!! What can I do to get this taken off all my reports.XXXX points went down in 1 year.. Please I hope you can help do n't know what else to do. Like I said I tried contacting all XXXX agencies and put a fraud alert on my reports for 5 years ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: This is a follow-up to complaint XXXX. 

I am reasserting that I did not approve or sign any loan documentation in reference to XXXX XXXX XXXX # XXXX. 

I am attaching a notarized letter from the loan applicant, XXXX XXXX, stating that I did not co-sign for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: I felt forced in the last minute to pay a rate lock extension of {$810.00} because the appraiser selected by the bank ( Wells Fargo ) took almost 2 months to provide the appraisal. If I did not select the rate lock, terms would change and the whole process would be delayed for at least another month.

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 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I think this is a bogus debt collection agency, they are fraudulent. I think a crook bought up my debt with stolen government many years ago. I went to XXXX in XX/XX/XXXX. Some crook from this school bought that and all my debts. He or she gets into all my accounts. He is now using a phony " Sunrise Credit Services '', collection agency. He seems to either be part owner or in some type of conflict. 

He is now trying to collect in fraud {$87.00}, that I DO N'T owe XXXX cosmetics company. He 's gotten into all my accounts, and seems to be the person stalking me. He XXXX be breaking in, and hacking my computer. I am a XXXX XXXX, I sent about {$87.00} dollars worth of cosmetics back to XXXX, a feww months ago. He or she must also work at the XXXX XXXX where I mailed the box back. These boxes are picked up by XXXX weekly. He or she could work for XXXX, the XXXX XXXX ; XXXX XXXX, XXXX. CA. XXXX and several other accounts I have. He or she recently got into my Zazzle.com, account small online gift shop, taking from that. 
I do n't think Sunrise Credit Services is credible. This person is associated with many credit collection agencies. He or she is getting money on both sides of the fence. XXXX itself is also charging me about the same amount.

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 06/27/2017 about Debt collection (Other debt) with International Computer Systems, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has harassed my company with asking for payment in the amount of {$210.00} for advertising not approved by me, the owner. After months of calls asking for payment and myself refusing to pay they have now filed a collection notice through First Collection Services with the creditor account number XXXX. Our rural area does n't even have XXXX. The collection notice as a date of XXXX XXXX, 2017 and asks for checks payable to XXXX, XXXX. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The Creditor is continuing to collect on the debt and utilizes numerous agencies after I provide a formal dispute. They are actively collecting this disputed debt in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: A previous complaint was filed ( XXXX ) against Wells Fargo for a lack of information regarding a foreclosure against XXXX in XXXX Alaska. I requested all information and paperwork on this foreclosure. The information requested included all banking records as well as all mortgage paperwork Wells Fargo has on file. 
I requested all documentation that shows how XXXX had any unpaid debt. I also requested documentation of all payments and any complaints XXXX may have filed with Wells Fargo. 
I requested this information as Conservator for XXXX. Wells Fargo received a copy of that paperwork and my request for documents. Wells Fargo responded that they were working on it. It has now been 2 months and I have not received and of the documents I requested. The contact at Wells Fargo ( XXXX ) has not returned my phone calls or responded to email and Fax requests. 
I am asking the CFPB to assist me in gettiing Wells Fargo to respond. If Necessary Kick this up to the Justice Dept as a bank fraud investigation.

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 08/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Dispute Past Account Data 30 day late 60 day late 90 day late

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I have XXXX private loans through Naviant equal to a little over {$100000.00}. There have been multiple times where they have mishandled my account, providing false advertisement, charging incorrect fees, and harassing me at my work place. This past incident has sent me over the edge. Back in XXXX I was in the hospital for 3 days. I had been trying to keep up with payments, and finally was able to get a case manager. I supposedly entered into a lower interest rate payment plan, which would automatically take out the amount due from my bank account each month. I was granted access into the program because of my hospital stay and the resulting bills. Fast forward to a few weeks ago. I check my balance online and it says that I owe {$3000.00} and that I 'm 2 months behind in payment. This does n't make sense because I am enrolled in the lower payment option for at least 3 months. My bank account can prove that they have been taking money from my account every month. I have tried numerous times to contact them via phone and email and mailing address. So far I have heard nothing from them and my account has not been fixed. They have been negatively reporting on my credit score, and I do n't know who else to contact. I am making payments and I am going to graduate school at the same time. I will make one last attempt to contact them and get this problem resolved tomorrow. If I do not get a solution from them, then I will be contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Hewitt-Capital (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of. 



This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX  on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.

Company response to consumer: Closed with explanation