milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I updated my Coinbase App on iphone on XX/XX/XXXX. The updated Coinbase app was requesting me to re-login. I received SMS verify code from them and it just didnt work on the app. After several times of trying, my Coinbase account was temporarily disable. I followed the steps from Coinbase.com and submit a support request through email. No one respond. From the morning of XX/XX/XXXX to today, I called Coinbase customers support line four times and waited 40 mins on average. The call was disconnected 4 times. They sent me follow up emails that provide same information I can find online ( not actual help ). They have no idea, or no plan on how to solved the problem. No one from Coinbase has ever contact me beside the email that tells me to wait. 

It has been 5 days. The market changes every second. Their irresponsible customer support could result really thousands of customer a desperate financial situation. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with IMPAC MORTGAGE HOLDINGS, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX  regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. 

If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. 

XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. 

I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. 


I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX of XX/XX/XXXX, Medical Data Systems began reporting two medical collections from XXXX XXXX Hospital in the amounts of {$330.00} and {$2000.00}. I do not owe these amounts, as I was employed with XXXX XXXX at the time of treatment and told, directly, that anything not covered by my insurance would be written off as charity. This is a practice the hospital regularly engages in, and I should think Medical Data Systems is aware of this. I never received a bill from the hospital, so of course I assumed this was done and I had nothing to worry about. In XX/XX/XXXX, I was denied a loan and found that I had these collections reporting to bring my score down. This was the first Id heard that the debts existed and I disputed them with the various reporting agencies. They were verified as accurate by Medical Data Systems and continued to report. I then attempted to dispute the debts with Medical Data Systems directly, on XX/XX/XXXX. It has been almost three months now and I have received no response. The collections remain on my credit reports. I do not understand how they report debts and verify them without any proof, especially when directly asked for the proof.

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 04/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I moved from XXXX to XXXX to start a business. I have never worked for this company. For the last 4 months, people from XXXX XXXX XXXX XXXX XXXX have been calling me telling me to pay them money. I have never gotten money from them. They keep telling me that I was an insurance agent for they company. I have explained to them over and over that I took a XXXX Insurance Agent test but I have never worked as an insurance agent. Today XXXX XXXX, 2016, I received an alert from XXXX that XXXX XXXX XXXX XXXX XXXX has reported an account as unpaid. I do n't know what 's going on. This company is committing fraud because I have never worked or received money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing/Cancelling account

Complaint: I opened a secured credit card with Orchard Bank, and deposited {$500.00} in doing so. The account was later consolidated into HSBC and then again into Capital One. I closed the account today and spoke with a representative afterwards to request return of the {$500.00} security deposit. I was told they show the account as unsecured and that the funds should have been returned to me prior. I was then told to call some other number ( turned out to be a voicemail for lady at a small community bank, with no apparent connection ). I am seeking help for the return of my {$500.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Went shopping for a mattress, and I asked about the 0 % APR financing the store was advertising. The employee said, let me check to see if you 'd be qualified. He asked me for some info, and before I knew it, I had a new credit card I did not sign up for! I even kept asking him if this would show up on my credit report and that it better not be a credit card. He kept insisting it was a soft pull and We do n't use this as a credit card. The employee was either extremely ignorant or flat out lying to me. Worse of all, I did n't even need to finance the purchase and ended up paying for the {$700.00} mattress outright. 

I called the bank Synchrony immediately to try to prevent the application from going through. They said there was no way they could do that, and that I would have to call back in 48-72 hours to cancel the account AFTER it had been posted. I have since cancelled the card with Synchrony in the 48-72 hour timeframe. 

I never signed anything and never gave permission to open a credit card. The employee never got my approval, and I was not only misled, but flat out lied to as he kept insisting it was not a credit card. This is identity theft as he applied for a credit card on my behalf without me knowing. 

A few days later, sure enough it showed up on my XXXX credit report as a new credit card account. I would like to have this be wiped off of my credit reports ( XXXX, XXXX, etc ) entirely without any record of it existing.

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 08/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I am so discouraged. I am a licensed mortgage lender. When I tell a client that they will get their mortgage refund in 2-3 weeks, they get their escrow refund. We on the other hand paid off our mortgage XXXX XXXX, 2016 and still XXXX XXXX, 2016 are still being told the check is in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with Meridian Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX time share has put me into collection with Meridian Financial collection agency for over 1k. I purchased the time share in XX/XX/2004 and haven't used it in approximately 8 years or longer. I requested to end my contract and was never contacted or notified. Now Merdian collection agency has 4 open accounts on my credit score. No contract can be perpetual without an option to close it out if I'm not using the services. 

I appreciate your assistance in this matter. 

Sincerely, 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 07/19/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Credit card) with Element Global Services (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed for bankruptcy in XXXX of 2016 and it was discharged on XXXX XXXX, 2016. I have received several calls from a bill collector, XXXX XXXX XXXX, threatening me with legal action if I do not pay the balance on my XXXX credit card. They have threatened to garnish my wages and to send someone out to my house. The collector advised me that since he just " purchased '' the account, the bankruptcy does not apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 wrote all three credit reporting agencies about incorrect information on my credit report and XXXX and Experian refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late 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 04/18/2017 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Other

Complaint: American Express has retaliated against for filing a dispute against them for disputing the two charg es for  XXXX   XXXX . They have been harassing me. They did n't notify me of any results of the outcome of the disputes. They have been asking me to submit all of my personal and business related financial statements to include Bank statements to which I used to make payments with on the accounts. I told them I had would have trouble getting them the information due to the fact that the bank accounts I used have other signors on them. I called  XXXX  merican Express and  cancelled the   XXXX   XXXX   XXXX   ending in  XXXX  #  XXXX   XXXX  {$2000.00}, and the personal   XXXX   XXXX   ending in  XXXX   XXXX . Under the  XXXX   XXXX   XXXX   XXXX  I am protected against " undelivered goods ''. The  XXXX  disputes I have with  American Express   XXXX   XXXX  {$2000.00}, and  XXXX   XXXX  {$2000.00} that I am being billed for that I never received the services/goods from the merchant. I provided them with numerous evidence that I did n't receive the goods and services from the merchant. I have tried to state this t o American Express n umerous times. They have proceeded to harass me and put me under a financial audit demanding all of my financial records which contain confidential information. I never received the goods/services from Madwire Media relating to the disputes with  American Express   XXXX   XXXX  {$2000.00},  XXXX  {$2000.00}. I showed  American Express evidence and proof of this. They have done little to investigate thes e allegations or provide me with any documentation or results. They have escalated the situation by asking for a financial audit. And have used improper language against me over the phone and have used discriminatory  XXXX  terms against me on numerous different phone calls with them attempting to resolve this. I am requesting that  American Express  stop their demanding  XXXX   XXXX  against me and stop demanding bank statements and financial records. I am requesting th at American Express  issue me credit back for the Disputes  XXXX  {$2000.00}, and  XXXX  as I did not receive the goods and services from the merchant. I am requesting that  American Express to s top harassing me.    XXXX   XXXX   XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Transunion did not contact me within thirty days for tbe dispute that forward to them on XXXX/XXXX/2017 by CFPB. I only wanted them to also take care of issues with the credit inquiries and they did n't do so. I am trying to make sure Transunion is in compliance with having good records of my credit information. They have yet to provide anything and thirty days has pass.

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 05-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a Care Credit acct with a General Power of Attorney and got XXXX. Shorty after returning from combat she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with XXXX XXXX. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. XXXX had no issue taking the XXXX dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I deposited a {$5000.00} check to my checking account on  XXXX   XXXX , 2017. I received an alert message that the funds are being withheld until   XX/XX/XXXX   because of insufficient. The check was written by a local roofer as a refund check. The roofer 's bank is local (  XXXX  ) to my area not even  XXXX  miles away from ant Wells Fargo in  XXXX , Alabama. In conversation with roofer and showing me that the {$5000.00} has been deducted from his account. My bank statement activity says it was posted to my account on  XXXX   XXXX , 2017, and no where on the statement says pending deposit. The money has been deducted but, but I still have to wait 10 - 14 days before Wells Fargo will release my funds. The representative I spoke when I called  XXXX  that the funds could be released if I had a balance of {$1000.00}. My ending balance is {$420.00}. That 's confusing because if their is insufficient funds in the roofer 's account, why would Wells Fargo release {$5000.00} with only {$1000.00}? What sense is that. I recorded my conversation if verification is needed. The {$5000.00} is insurance money that was refunded because the roofer and I decided I would buy my own material for a complete roof installation. Wells Fargo  XXXX  branch is intentionally holding my funds in my opinion because I filed a complaint concerning a   XXXX    male worker lied to me concerning getting documents notarized. If the funds have been debited from the roofer 's   XXXX   XXXX   account, why I do n't have access to the {$5000.00}. The roofer 's will start the job tomorrow,  XX/XX/XXXX  with a completion date of  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 explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a loan from XXXX 8 years ago and was told that my co-signer would be released if I make 2 years consecutive payments. I made those payments and requested that my cosigner would be released but got denied. I 'm in a bad relationship with my co-signer-which happens to be my cousin- ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation