milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I received XXXX Bitcoin ( BTC ) from coinbase.com when I opened a new account with them ( using an .edu email address ). I have since graduated and lost access to my .edu email account. Since XX/XX/XXXX, I have been actively trying to have my account transferred to my Gmail email address. 

The support section of their website ( https : //support.coinbase.comXXXX ) said I must verify my identity, which I did on XX/XX/XXXX. Per the written instructions, I contacted Coinbase ( https : //support.coinbase.comXXXX ) to alert them that all steps have been completed for my account to be transferred to my new email account. 

The company has stopped communicating completely, and has not replied to several requests for advice on how I can access my currency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been requesting my  XXXX  free credit reports online via  XXXX  for many years. Usually no problems but have caught  XXXX  problems and managed to resolve them in the past. No issues for at least 5 years. Last year (   XXXX   XXXX  2016    ) I printed  XXXX  and  XXXX  from the online reports. Equifax stated online they could not honor my request online but would reply by mail-which they did. This year   XXXX   XXXX   to be exact I had no trouble printing online reports from   XXXX   &   XXXX  . Equifax however stated they could not honor my request online for security reasons ( they did not ask any extra security questions which have been used by others in the past  )  but I would have to process my request through the mail. There was a place to click on a PDF file to print the mail in request and to submit many different types of proof of identity. As this appeared to be onerously cumbersome I started clicking around to see if I could avoid this extra work. I managed to get back to the home page which now showed that I had received my Equifax report.and could no longer access the information. I have attempted to find the request form and instructions online unsuccessfully. I have attempted to call Equifax but since I had no ongoing issue none of the options applied.   It appears that Equifax is doing it 's darnedest to avoid complying with the Fair Credit Reporting Act ( FCRA ). I just want my credit report without having to jump through unnecessary hoops-yes I think security is important but so do  XXXX   &    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a dispute with Experian regarding accounts that were reporting wrong on my credit file and they did a investigation and returned with an answer that the items were included in a bankruptcy. Those accounts were updated as follows : XXXX/ XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX  included in bankruptcy XX/XX/XXXX, XXXX XXXX included in bankruptcy on XX/XX/XXXX. All of these dates are incorrect and reporting wrong on my account. I called on XX/XX/XXXX and the rep stated that this information has come back verified and there is nothing that they can do about. From the various dates I can see that this information is not correct. I also went to dispute a number of inquiries that showed on my account and was told that I can dispute inquiries and to contact each company separately. These inquiries do not belong to me and should be deleted. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX,   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I told them that only inquires made by me should be reporting on my account. They then put a fraud alert on my credit report on XX/XX/XXXX I asked that they remove that from account and they did stating that another bureau reported the information I called the other two bureaus and they stated there was no fraud alert. Experian did remove the fraud alert but have failed to remove these items that they are reporting incorrectly.

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 05/13/2015 about Mortgage (FHA mortgage) with Priority Financial Services (VA).
Issue: Application, originator, mortgage broker

Complaint: While searching for a mortgage loan I was contacted by Priority Financial to help in getting me the best interest rate. Everything went as expected until the disperse net and I was not allowed check due me until I paid Priority {$4000.00} back for them helping me. My back received check and was not released until check was received by them. I found out this was not a correct procedure when I went to refinance loan and refused to deal with a broker. After contacting Priorty they have said they can not find where check was deposited and they would not have anyone work for them they did this. I have sent them documents, front and back of check, and people I dealt with. They have offered {$1000.00} to us because of my health, XXXX, and circumstances happening at the time but can not tell me where money is, who cashed it and if this has occurred with anyone else. At a loss as what else to do. Should I accept the {$1000.00} and be grateful to get some of it back or continue to fight on. It astounds me a company that deals with money, customers and knows nothing of this check. I really need to know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 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: Old information reappears or never goes away

Complaint: I have spoken with Experian about a existing issue several times. Today I hand the chance to speak with XXXX in Dispute Department he is apart of XXXX XXXX.With XXXX XXXX and XXXX XXXX  XXXX. They refuse to remove these accounts form my credit report. I am requesting them removed because they were transfer without my knowledge and reporting twice. These accounts no longer belong to me. I am asking for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( 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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no 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 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to buy a property to live in. I have contacted US Bank Many times with information on pay off date from a foreclosure I had in XX/XX/XXXX. A date is on the County Trustee Deed on public record in XXXX XXXX, Utah. but ... still they will NOT supply me with any date. As a result I can NOT get my loan and I am losing the said property. Now, they are reporting it on my credit report as XX/XX/XXXX. This is completely wrong and needs to come off my credit report immediately. Also ... US Bank faxed a letter to my lender stating that the account is paid in full but ... will NOT provide a date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Application, originator, mortgage broker

Complaint: In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Balance transfer

Complaint: I intend to transfer some balance that I have with Synchrony financial, but their website does n't show the account number that I need to transfer the balance I have with them, I want to do a balance transfer to this other card with much, much better rates. Their rates are very, very high by the way. Regardless, the issue is that I ca n't get my account number over the phone because the numbers are omitted from the E statement. Perhaps is that they do n't want you to transfer the balances from their cards that hold outrageous interest rates. Their response is that they are not authorized to release the account numbers over the phone, not even to the owner of the account. My account is in good standing and i 've been paying it for years without skipping a beat. I bring this to you all attention because it seems that they want you to be captive by them and their outrageous interest rates. I feel they are taking advantage by making it very difficult to do any kind of balance transfers. Please investigate this crooks. Thank you.

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 05-11-2015 about Debt collection (I do not know) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was looking at my credit report and noticed a collections penalty on my report. It was from Focus Receivables Management who said I owe XXXX XXXX XXXX {$700.00}. This was blatantly untrue and I 've never owed XXXX XXXX any money. In fact, I 'm currently using them with a balance of {$0.00} owed on my account. 

I called Focus Receivables to fix this problem and they said the debt was for an address that I 've never even lived in. So I explained how this could n't even be me and how it was likely a case of identity theft and they did n't believe me! I asked them, what do you need from me to prove that that 's not me and they just told me that I need to talk to XXXX XXXX. The woman I was talking to actually said that she did n't believe me and had literally never even heard of the concept of identity theft. No help whatsoever. 

I call XXXX XXXX and they say that I have to talk to Focus Receivables and there 's nothing they can do on their end since the collection was already filed. 

I know there 's a process for removing false collections due to identity theft and Focus Receivables pretended to not know and thus always have a collection out on me and hurt my credit score. They need to fix this immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The information on my credit report is wrong. 
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. 

They should be made to take this bad information off of my account, he is hurting my life

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 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Requested to have inquires removed

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 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: ( 1 ) I was making my payments ... ON TIME & just before I was to leave for the LAST family reunion I would 've ever had, & without any explanation, reasonable or otherwise, they Decreased my limit. Every time I made payments thereafter, they continued to decrease my limit & I 've been unable to use the card ever since.They continue to do so & while they 're at it, they 're attaching Over the Limit fees. How can I be expected to remain under the limit if they keep lowering it? I feel as though I 'm between a rock & a hard place because I sacrifice to make more than the required payment only for them to suck it up & leave me with nothing to show for it.

( 2 ) Some kind of way, Someone, REPORTED THE CARD LOST OR STOLEN, & it WAS N'T ME. Obviously & Again, my plans were altered due to NO fault of my own. They had NO explanation & to add injury to insult, they offered me a whole {$25.00} in recompense.

( 3 ) On a RECORDED line, I reported the loss of a rental car & they told me that the co would NOT be able to come right back & charge the card anymore. Well they did ... I had to talk to several agents & they ALL told me the same thing. They even issued a new card & STILL allowed the agency to charge that one ... Do n't recorded " promises '' mean anything? Every time I turn around, there the charge is AGAIN & interest on top of it.

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 monetary relief
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had repeated issues with my loan servicing company/escrow account. They have, on multiple occasions, paid, duplicate or incorrect amounts and even after requesting a XXXX speaking representative, I get people who do n't understand me when I work for resolution. 
They wanted {$500.00} to cancel my escrow and I refused to pay it. After fighting with them for over a year, they finally cancelled my escrow account. Now they are claiming to have paid my taxes, after the closure, and want me to reimburse them. I paid my taxes. My local tax authority refunded OCWEN ; and believes they may have incorrectly applied the funds to another account. Every time they send one of these demand letters, I request an audit. They do an audit and request more money for something else. Only ever giving me their printout of what they claim they did/did n't receive, did/did n't pay. I believe that when I become exhausted and write them a check, it encourages them to do it again. 
Now, they are demanding my tax receipt. I 'm looking for it ... had it for income taxes and have misplaced it when re-filing them. They also did n't send me any statement for taxes paid when they sent my interest statment. Anyway, I asked them for their receipt, they just send me a printout of their accounting. I can make a printout on the computer the same as them. 
I have gone through grief for several years between my tax persons prosecution for embezzlement and OCWEN 's incompetent servicing of my mortgage. I need to know how to compel them to get an objective third party to go through my mortgage history and do a legitmate audit. I do n't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX XXXX XXXX Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my TransUnion credit file on XXXX/XXXX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

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 12-12-2016 about Debt collection (Medical) with Alorica Inc. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They have n't actually threatened legal action but I am having trouble paying what I own. I am on a payment plan and I have been paying on time every month for at least 6-8 months. I have not received a bill in 2 months. Got a letter last month saying I was late. I paid it. Did not receive a bill this month. I attempted to pay online - their online service does n't work. I attempted to call the number on a bill stub from a previous bill - the message says they ca n't take the call due to unforeseen circumstances and hangs up. I called a different number on their website, spoke to someone who said he 'd transfer me to the correct department.. he sent me to the same number I had previously dialed and I got hung up on again. Tried calling back the number where I actuall talked to some one and 4 times I have been sent to voice mail. I left a voicemail, I filed a complaint on their website. I have not been contacted from them. I am working hard to raise my credit score and pay my debts but I am at my wits end with this company. There is n't even an address on the payment stub for me to send the payment without a current bill. How am I supposed to pay it when I ca n't get any cooperation from the 3rd party collection agency?? Being late with them will report negatively on my credit since a payment plan is in place.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is constantly harassing me and refusing to lower my payments to meet my income.

Company response to consumer: Closed with explanation