milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (VA).
Issue: Fraud or scam

Complaint: After setting my limits to {$7500.00} USD, I deposited {$5000.00} USD to my Coinbase USD Wallet from my US-based bank account. This transaction was made at XXXX XXXX ( EST ) on Monday, XX/XX/XXXX. Coinbase took the money from my bank account on Tuesday, XX/XX/XXXX, before XXXX XXXX ( EST ). 

It is now XX/XX/XXXX and still NO deposit showing. This is the 6th business day ( Internationally ; yesterday was XX/XX/XXXX in the U.S. ) and the 8th calendar day. Coinbase policy is : deposits can take 2-5 business days to clear due to ACH blah blah blah. Well, Coinbase had possession of my money on the 2nd business day, yet did NOT deposit it in my USD Wallet TO THIS DAY! ( Tuesday, XX/XX/XXXX ) On day four ( XX/XX/XXXX ), I called the phone number Coinbase listed with the bank transaction ; that number NO LONGER WORKS. The new number ( XXXX ) is nothing more than a talking phone tree that does not allow for human interaction at all - at the beginning of the call AND at the end of each message down the tree, the voice directs you to go online to their support site. After going through the miserable " Chat Bot '' on Coinbase 's support website, I was finally able to send them an email from https : //support.coinbase.comXXXX ... 

Coinbase 's response so far? CRICKETS!!! Nothing. Nada. Zilch. Zero response. Since I finally sprang for more than a couple dollars here and there deposit to invest in cryptocurrency, Coinbase really sucked me into their net bad. If not stolen, at least misappropriated and using my money as their " FLOAT '' to increase their own corporate profits. At worst, Coinbase is a fraud, at best, a really messed up company. I 'm feeling chaffed. What a CON JOB. 

I have also contacted my bank to inquire what to do about the transaction after-the-fact.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a victim of Identity theft. Someone open a XXXX XXXX account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for {$1200.00}. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out something out about the account they would contact me. So at this point I was not thinking clearly so I gave her my PO Box number. The next day I get a statement account from AFNI in the mail with this other person name on it. I am not the person they are looking for and I do not want any more mail address to someone else coming to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Other fee

Complaint: I mistakenly paid {$70.00} less than the statement balance on my Chase Freedom credit card -- ~ {$2200.00} rather than {$2200.00}. So, their tactic is that the ENTIRE balance is subject to the borrowing interest rate ( that is, the usual grace period is null and void for the credit card ) - not only for the previous statement period but for the following statement period until the payment is received. So, I had interest charges of approximately {$10.00} apiece for two consecutive months ( by which time the balance was completely paid ). Essentially, {$70.00} borrowed for 2 or 3 weeks resulted in {$20.00} interest charge which would amount to an effective annual interest rate of almost 400 %. I hope there could be some reform in the laws so that only the UNPAID portion of the credit debt could be subject to interest assessment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started the process of debt verification XX/XX/17 and have been fighting this issue every since. I submitted a letter to company for validation of a debt they say I owe, but I have never been provided signature validation of the debt. The debt is not mine and I have been expressing this through certified letters. This states that I owe them $XXXX and the debt is not mine. I have requested validation with no resolution. Why would I pay a debt that is not mine? Customer service regarding this issue is disgraceful.

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 09/19/2016 about Debt collection (Mortgage) with Sortis Financial, Inc. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I had investment property that was the subject of a foreclosure lawsuit in XXXX XXXX, Illinois. The property suffered serious internal damage because of negligence by the former tenant. The servicer, XXXX XXXX XXXX XXXX allowed the homeowner 's insurance to lapse. My payment consisted of principal, interest and escrow. I 'm currently a class Plaintiff in a pending lawsuit against XXXX XXXX. To make a long story short, I was not financially able to repair the {$10000.00} + damage and attempted to work with XXXX XXXX. They retained a law firm and I was sued in a foreclosure lawsuit. I have worked out the deficiency judgment with the plaintiff 's attorney. Sometime in XXXX ( XXXX ), I received a letter from a collection agency called " Clear Spring Loan Servicing '' along with a " Limited Power of Attorney ''. The POA has no account number, no address, my name is not included. I hired a consumer advocate and she received another " Limited Power of Attorney '' dated in XXXX. Again, there is no name, property address or account number listed on it, and it is lacking the notary seal as well. XXXX XXXX from XXXX, a well-respected consumer advocate investigated the contents and contacted the people listed on the Power of Attorney forms. It was discovered that " XXXX XXXX '' is really XXXX XXXX XXXX XXXX, XXXX, Assistant General Counsel of XXXX in XXXX. XXXX XXXX denied signing the Power of Attorney and said his signature on the alleged power of attorney is a forgery. XXXX XXXX contacted XXXX XXXX who is indicated as a " Vice President '' of XXXX on the XXXX bogus power of attorney. XXXX XXXX denied that was her signature and considered it as a forgery as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed items on my report that were due to fraud and identity theft. The items were deleted and reinstated by a new collection agency months later after investigation concluded.

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 09/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient is not helpful in offering a temporary stop of payments due to financial hardship. They state I have no more time to delay payments. Their customer service is horrible and based overseas. This company is the worst to deal with and send harassing letters to my co-signer a day after if my payment is one day late.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Around XX/XX/XXXX, we received a call from wells fargo claiming that our business account was taken over and someone withdrawn a couple thousands of dollars. The man on the phone said he could start the process of refunding the money to us and start the investigation. He asked us questions and gave us options to choose from, the last four of our social, and then told us he was going to send a text with a code to verify it was us. We answered all the right questions and he said he deactivated our cards and new ones would be sent to us overnight. We were thankful that wells fargo took action and notified us but this wasn't the case. The following morning I logged in and notice that our business account and personal account both had withdrawals. So I decided to call to verify they were taking care of both accounts instead of just one. When I called, they asked literally the same questions as the previous phone call the night prior. the wells fargo lady told me that there was no fraud investigation our our accounts and no notes have been made. She insisted and asked more questions but I hung up and went directly to a branch. At the bank they stated that they cant do anything by investigating who took our money because it would be too difficult and that it would be best to close the account and start a new one. They said they could continue the account number for 60 days and a new account number would take over. What they didn't mention was that anything over 300 dollar transaction was immediately denied. I made my mortgage payment and they denied it. I had no idea that my mortgage did not go thru and on the 15 day after the mortgage is due, its consider late and a hit on our record. I tried to ask for them to notify our mortgage and let them know it wasn't our fault and we had the funds in our account but they said they couldn't do anything. I'm frustrated with how wells fargo handled the situation in the fact that they denied the mortgage payment even though its a reoccurrence every month and they wont take responsibility for our credit hit.

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 05/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: Recently,  Ocwen has come by my home to photograph our property. While I know this is common they do it more than necessary. If we have n't made a payment they are driving by photographing our home before 30 days. Most recent event has me feeling very concerned. They actually came onto my property while my kids were home alone and photographed our boat, and cars in the driveway. My daughter was very upset. Adding to this Ocwen w ill send letters stating we are at risk of foreclosure before the  XXXX  and more letters before the 30 day mark. They do n't only send me a letter they sen d 2, then they send 2 certified letters I have to sign for then they charge me for this almost every month. And this  months statement does n't say what the  XXXX  fees/other charges are for. Waist of paper and money. We are behind on payments and when I ask to make partial payments throughout the month they decline stating the computer would n't recognize it and apply it to the principal instead of the monthly payment. I had set up a phone meeting with  Ocwen, th at they email confirmed, for   XXXX   XXXX   at   XXXX   XXXX   but they never called and still have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with LENDER LIVE (RI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. XXXX account number is XXXX. This is the same item that I disputed and filed a complaint in XX/XX/XXXX Re : CFSB Complaint # XXXX ... Commonwealth Financial Systems. I sent an email to XXXX XXXX on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: My mortgage is in default. The last payment I made was  XXXX   XXXX . I was unemployed from  XXXX   XXXX  through  XXXX   XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable.  My mortgage company would not take the application because I had no income.     When I got a job in  XXXX  I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in  XXXX  and back to making a regular salary. I reapplied for the modification and was approved on  XXXX   XXXX ,  XXXX . I was told that all foreclosure proceeding where on hold.     I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification.     Today, I get home and the  Sheriff 's Sale  Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the   XXXX   XXXX   XXXX   XXXX   XXXX   I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until  XXXX   XXXX  and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law.     I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called JH Portfolio Debt Equities stipulates that they purchased the debt from XXXX at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that JH Portfolio Debt Equities can not collect, they sent the collection to a new collection agency called XXXX. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

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 06-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In  XX/XX/XXXX I was made aware that I became a victim of identity theft when someone unknown to date used my information and attempted to file a tax return. I followed all steps and even filed my affidavit with the IRS in   XX/XX/XXXX   In   XX/XX/XXXX   when pulling my credit report I discovered that Portfolio Recovery   XXXX  b ought an account and started reporting it to my credit report I have disputed this account over and over and not being knowledgeable of all the credit laws I did not know that this company had to provide me debt validation upon my request over and over I disputed this as a fraudulent account the only reason I did n't have a police report is because I had no information to provide as to who was n't using my information .I filed many disputes with the credit bureaus that the debt is not valid and not mine and each time Portfolio Recovery has sent back as " verified  '' .Upon  reviewing all FCRA laws I sent the company a letter of validation XX/XX/XXXX  requesting proof of the debt because I know this is not my debt. I hold  one    XXXX   XXXX   account that I opened in XX/XX/XXXX  that is the only   XXXX   Or account I have ever had. I sent a certifed letter to the address the company has on my file requesting validation and today XX/XX/XXXX  they did not sign for it and it returned back to me as undelivered due to address they have again have reported to the credit bureaus that the debt is valid effective XX/XX/XXXX  what documents are they using to validate this debt this debt does not meet FRCA guidelines because they never ever sent me any validation ever. Proof of the account address information nothing showing that I am liable for a debt or in any contract with  Portfolio Recovery   XXXX   for a debt. I am a victim of identity theft and I want this account removed it is not mine. Please see the attached documents in regards to my claim/dispute

Company response to consumer: Closed with non-monetary relief