milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On the XX/XX/XXXX i sold a part of my bitcoin capital to Coinbase ( https : //www.coinbase.com ). Coinbase has something called a 'EUR wallet ' which is something where your funds go to after selling. This happens instantly and after that you can withdraw the funds to your local bank account. It also works the other way around : you can send funds to the 'EUR wallet ' and after the deposit ( which takes 'x ' days like the withdraws ) it appears in your 'EUR wallet ', then you can buy bitcoins,  litecoins  or etherium with it. Now, what i had was XXXX euro in my EUR wallet. With transaction fee included it 's XXXX euro. On the XX/XX/XXXX my bank account was verified by Coinbase so i decided to transfer the full XXXX to my bank account. The transaction was confirmed and got an e-mail that funds will be send and will be received on the XX/XX/XXXX. A few days later the message appears on the Coinbase website that i could take up to 5 more business days for a transaction to appear in your bank account. That 's not a problem and i fully understood it because the selling volume went through the roof. On their site they say it will take up to 2 business days to transfer the money with a SEPA transaction, but if we add up the extra 5 days it equals to 7 days. If i submitted my withdraw on the XX/XX/XXXX and add 7 days to that we find that the XX/XX/XXXX should be the glorious day of the money coming into my bank account. However, today we are the XXXX ( day this was written ) and yet nothing has changed. The transaction status is still pending and if i check other forums i find other people with the same problem as me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/2017, I attempted to order my 12-month FCRA credit report from Equifax. I followed the CFPB 's instructions and called XXXX-XXXX-XXXX. 

I was connected to an automated system. Several times throughout the call, the automated system was unable to understand me, including being unable to understand my name or how it was spelled. I was eventually asked to enter my SSN. After I did so, the automated system asked me to confirm correctness, by purporting to read back the number to me. However, instead of reading back the number to me, I only heard silence, so I pressed 2 ( to indicate that the read back was incorrect ). After trying three times the system informed me that I could not complete the request of the phone, and disconnected me. 

I called back and tried various ways to reach a representative, including pressing 0 several times. I concluded there was no way to reach someone to report the problem. 

I tried calling Equifax to obtain a report directly. Equifax indicates that credit reports may be ordered by calling XXXX-XXXX-XXXX. However, this is also an automated system. I pressed 1 to request a report, then 1 again to request a free report. An automated message played back and asked me to call XXXX-XXXX-XXXX ( the number I had originally dialed ). I was right back where I started. 


The FCRA provides ( 15 U.S.C. 1681j ) : ( a ) ( 1 ) ( C ) In general. The Bureau shall prescribe regulations applicable to each consumer reporting agency described in section 603 ( w ) to require the establishment of a streamlined process for consumers to request consumer reports under subparagraph ( A ), which shall include, at a minimum, the establishment by each such agency of a toll-free telephone number for such requests. 


The relevant CFPB regulation provides ( 12 CFR 1022.137 )  : ( a ) Streamlined process requirements. Any nationwide specialty consumer reporting agency shall have a streamlined process for accepting and processing consumer requests for annual file disclosures. The streamlined process required by this part shall : ( 1 ) Enable consumers to request annual file disclosures by a toll-free telephone number ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon review of my recent credit report I noticed unauthorized activity. I immediately called TransUnion credit reporting agency ( Monday, XXXX XXXX, 2017 ) to be told that my file was being handled by the special fraud department, which by the way was done without my acknowledgement. I was told that it was because of a fraud alert, I never placed a fraud alert on my file. Already suspicious of the unauthorized hard inquiries, and to be told my file is being handled by the fraud department really had me on edge. I proceeded to inform the representative that I had no connection with XXXX XXXX whatsoever, and I in no way authorized them to pull my credit. The representative proceeded to tell me there was nothing he could do, they do not remove hard inquiries. He also refused to investigate the matter. Being in the " special fraud department '' I hoped that they 'd understand my frustrations and simply investigate the matter. I got absolutely nowhere. I hung up with one representative and called back multiple times speaking with multiple representatives begging and pleading for atleast an investigation, no one would listen. I asked what 's the purpose of my file being handled by the special fraud department when fraudulent activity is happening. He could n't answer my question. I said you are looking at the same information I am do you see any XXXX XXXX affiliation, he said no. The FCRA states that the only permissible purpose for pulling someone 's credit is for : 1 ) Firm offer of credit 2 ) Insurance 3 ) Employment 4 ) Court Order non of which applies to me. I requested for to be removed out of that department as it is in no way stopping anything, no changes as of yet. There is also a hard inquiry from TransUnion themselves they are staring is a soft inquiry when it clearly shows as a hard inquiry. I was told it took place when I requested my credit report. I could n't understand when I am entitled to a free credit report yearly and have never gotten a hard inquiry.

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 04/25/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: Six months after Carrington Mortgage  took over my account from  XXXX , they posted a delinquent account to my credit report.I have always paid this bill before or right on the first of the month.N o one said i was ever behind in my payments, nor was i given any notice.Apparently, they thought i sho uld pay both them and  XXXX  during their transition.I am angry and my credit rating went down  XXXX  points.This is both unfair and harmful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Greetings, I will keep it concise as possible. I 'm a XXXX from XXXX College based in XXXX, MA and Wells Fargo Education financial Services is XXXX of my private student loan lenders. I have been underemployed since graduation and they are aware of this though I have always maintained my payments until just recently where I am falling behind because of my multiple other loans, my gov't payments increasing, plus rising cost of basic living expense. I have tried for many years to either consolidate or refinance my loan with them but even despite a time when I had good credit and good payment history, they declined me because of my other student debt. Now I can accept if they are not willing to do that as they are a private company and its their discretion, however, as indicated on my attached statement, I strongly object to the XXXX monthly late fees I am being charged for struggling to make my payments which now add up to {$60.00} not including past fees. 

I feel something needs to be done. I have done everything I possibly can to keep up with payments, I still live with parents, sold my car for a cheaper XXXX, limit how much I eat and considering the interest I have paid WF total and the fact they have no refinance options for XXXX these fees are unacceptable and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX 2017, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus ( Transunion, XXXX, and XXXX ) asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau ( XXXX ) responded by deleting the said file from my records.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries listed below are not mines. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 non-monetary relief
Consumer complaint received 04-09-2017 about Credit card () with CITIBANK, N.A. (MI).
Issue: Customer service / Customer relations

Complaint: Has CITI disable the FICO Score for the the " Citi ThankYou Preferred '' Credit Card? 
Last Update was XX/XX/2017 From CITI Bank, " Thank you for connecting with us here on XXXX. I understand your concern and would be glad to help. I am sorry about the frustration regarding your FICO score.The FICO score is updated once every 45-60 days for the month prior. If your last update was on XX/XX/2017, then you should see your XX/XX/2017 FICO score around XX/XX/2017. Please let us know if this helps. 

Thank you, XXXX XXXX. '' Really? 
Why Supply a FICO Score that is 45 DAYS OLD. XXXX Come one Folks is it really that hard to update the customers information the same day that you get it? 
Granted it is one of the more Useless FICO Credit Scores, but it should be supplied to the Customer when you get it, not days, weeks or a Month later.

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 10-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with MARINER FINANCE, LLC (KY).
Issue: Problem when making payments

Complaint: I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX  days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on my credit.

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 06/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Someone presented my Idenity at Bank of America and withdrew my money. 
-Total {$10000.00}. {$5000.00} from checking on XXXX occasion, and {$5000.00} from savings on another occasion. 
XXXX separate Branch banks. XXXX in XXXX, NJ, and XXXX, XXXX XXXX, NJ. 
XXXX separate occasions. XXXX, checking on XXXX/XXXX/15, and XXXX, savings XXXX/XXXX/15. 
-I was told that the signatures did not match. 
-I do not live in the above state. 
-These withdraws are completely inconsistent with my financial record and habits. 
It is clear to me from the above information that Bank did not do its job to protect me or my money. There are many red flags. On XXXX separate occasions, a person withdrew large amounts of money w/o a signature match in a state that I do not live. This is neglligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with Midwest Recovery Systems (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: THIS IS MY SECOND COMPLAINT ABOUT THIS COMPNAY BECAUSE THEY LIED THE FIRST TIME ABOUT SENDING ME INFORATION ABOUT A DEBT THAT THEY HAVE LISTED ONMY CREDIT REPORT. AT THIS TIME I STILL HAE NOT RECEIVED ANY INFORMATION FROM THIS COMPANY AT ALL ABOUT THE DEBT THAT THEY HAVE LISTED ON MY CREDIT REPORT. ALL I HAE EVER RECEIVED IS ONE PHONE CALL AND I HAVE CONTACTED THEM SEVERAL TIMES ASKING THEM TO VALIDATE THER DEBT. APPARENTLY IT IS TIME FOR ME TO SEEK LEGAL COUNSEL BECAUSE THIS COMPANY IS CLEARLY A FRAUD AND LIES A LOT. I HAVE REPORTED THEM TO MY STATE ATTORNEY GENERALS OFFICE AND THIS IS MY SECOND COMPLAINT TO CFPB. YET THIS COMPANY CONTINUES TO EPORT FALSE INFORMATION TO CREDIT BUREAUS AND HAS NOT SENT ME ONE PIECE OF INFORMATION NOT EVEN THE ORIGNAL 609 LETTER. I HAVE SENT THEM MAIL AND THEY HAVE IGNORED IT. THANK GOD I HAVE A PAPER TRAIL FOR  LEGAL PURPOSES. THIS COMPANY SERIOUSLY NEEDS TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX  I c alled to place an order with   XXXX   clothing catalog. The sales rep kept insisting on signing me up for a credit card even though I told her no several times. I finally gave in and she charged the first order to the card. After I got the merchandise, I waited for the statement but never receive d one so I s  ent the {$25.00} payment. I placed several more orders via mail and paid with a check. From  XX/XX/XXXX  t  o  XX/XX/XXXX  I ne ver received any type of statement from  XXXX  about my credit account. I received a statement i n  XX/XX/XXXX  showi ng I owed {$180.00}. It was a past due statement and no information was on statement showing what was charged. I called  XXXX  and was told they would look into it. I did not hear from them and then I got a letter from  Portfolio Assoc. Portfolio is  a collection agency and I explained to them that I did not owe the money and explained to them that  XXXX  was taking care of the issue. I called  XXXX  again and the customer rep did not know anything about the account and showed I owed the money. I called my daughter,  XXXX   XXXX , to help me and she called the corporate office for  XXXX  and explained the situation. They looked into the account and told her that I was being charged for a {$14.00}   "     VIP '' service w ith the credit card. I never authorized the   VIP service.   XXXX  researched the phone call and called my daughter back and told her they would credit all the charges since they were not authorized and they would contact  XXXX   XXXX    XXXX   on my behalf to get the account cleared. My daughter contacted the bank and everything was cleared on their end and my account showed a  XXXX  balance. I kept getting letters and calls from Portfolio and each call they were very rude and refused to work with me. I told them each time what happened and they continued to call. My daughter called  XXXX   XXXX  again to see if they could send something to the collection agency to to me showing everything is resolved. They did send me a letter explaining that I am not responsible for the disputed account and the we sent it to Portfolio and it was received on  XX/XX/XXXX . I thought the issue was resolved until I received anther letter on  XX/XX/XXXX  saying I stilled owed the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In XXXX mi exwife rented and aparment in XXXX and we got separated in XX/XX/XXXX, and witch my exwife to out the any right from the aparment, and we got divorced in XX/XX/XXXX, went she move the company never returned the dispoite {$2000.00} dollars she moved to XXXX and bought a house, now after 4 years without any conscta and disclosure of my rights they post in my credit files and collections,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: This is my 2th complaint about Wells Fargo. After my first complaint XXXX XXXX/XXXX/XXXX XXXX Wells Fargo has totally stopped working with me.First they said they they were looking into my concerns and should have some answers by XXXX/XXXX/XXXX, then they said by XXXX/XXXX/XXXX. Now they say they should have something by the XXXX. With a sale date not being moved or postponed from the XXXX/XXXX/XXXX??? 

While this is happening I receive a letter dated XXXX from Wells Fargo that said ; they are not moving forward on a review of mortgage assistance. But before I received a letter dated XXXX/XXXX/XXXX that they received the purchase offer from my agent and were moving forward with the review for the short sale, My agent and myself both contacted Wells Fargo and asked what was the problem ( was it with the agent or the new buyer ) and were told Wells Fargo will not say. 

After Wells Fargo received my original complaint I received a call from their XXXX XXXX XXXX XXXX and was told they were not going to work with me. This is not right!

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 08-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting XXXX account number XXXX which is a fraudulent account which belongs to XXXX XXXX, not XXXX XXXX. I am attaching a letter from XXXX XXXX acknowledging the debt is hers. I am attaching my XXXX XXXX mortgage document for my previous residence of XXXX XXXX XXXX XXXX , which has my signature and the date in which I resided there. I am attaching my property tax document for my current address which shows the date in which I started residing at my current property XXXX XXXX XXXX XXXX. I have resided between the XXXX and my current XXXX XXXX XXXX XXXX residence exceeding 15 years. I did not have any affiliation with the address on the XXXX application, DID NOT SIGN and was not aware until seeing on my credit report. I have also attached an incident report from the XXXX XXXX PD. Also, I ask that I please have an extended fraud alert applied if not already there, I know I had one. I am attaching XXXX XXXX application page with the fraudulent signature which can be compared with my XXXX XXXX 's mortgage page.

Company response to consumer: Closed with explanation