milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I sent XXXX BTC to my coinbase.com account and it showed up as a confirmed transaction in my coinbase account and on the XXXX XXXX, but coinbase has not updated my account balance so I ca n't withdraw my funds. 

I also bought XXXX Bitcoin on XX/XX/XXXX and held through XX/XX/XXXX and did not receive my Bitcoin Cash Transaction : XX/XX/XXXX I contacted Coinbase customer service XX/XX/XXXX and have n't heard back. I reached out to a Coinbase XXXX support team member on XX/XX/XXXX no response. I contacted coinbase on twitter XXXX and XXXX and still heard nothing. 
CASE ID : XXXX

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 EQUIFAX, INC. (GA).
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: Equifax credit report dispute on XX/XX/XXXX. Someone else 's {$360000.00} mortgage balance with a {$3000.00} per month payment beginning XX/XX/XXXX thru XX/XX/XXXX is on our XXXX revolving charge account. Unable to submit online dispute. Web site blow off with timed out or incorrect input data. Unable to make phone contact with a person. They have automated phone numbers for report requests and alerts and freezes, but none for credit dispute issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: XXXX XXXX transferred my loan to XXXX the loan was current with XXXX. When the loan was transferred XXXX had put in the XX/XX/XXXX and XX/XX/XXXXpayment owing as fees owed to XXXX XXXX which was made to XXXX in XX/XX/XXXXand XX/XX/XXXX my monthly payment. XXXX is showing more moneys owed which is not correct I should only have a XX/XX/XXXXpayment owed of XXXX. XXXX  is showing XXXX which is incorrect. XXXX XXXX account number is XXXX phone number XXXX. XXXX XXXX loan number is XXXX, Citi Morgage tranferred foreclosure fees and attorney fees which were collected in the chapter XXXX with the trustee. Citi Morgage account number is XXXX number is XXXX. The amount of XXXX of attorney fees and forecloser fees were paid from the trustee.

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 10-04-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (SC).
Issue: Problems when you are unable to pay

Complaint: For an unknown reason my autodraft ( from my Wells Fargo checking account to my Wells Fargo personal loan account ) stopped. 

This resulted in ( 1 ) my loan payments being reversed ; ( 2 ) my losing the the favorable interest rate ( for being on autodraft ) ; ( 3 ) my account going delinquent and being sent into collections ( I never received noticed it went delinquent ) ; and ( 4 ) my payments accruing at a higher interest ( loans on autodraft are on a more favorable interest rate than those not on autodraft ) because my payments fell off of autodraft. 

I am told the payments were reversed because the payment was being drawn from an 'unknown ' account. Please note that this 'unknown ' account is the very same checking account that was used to set up my autodraft payments on Day XXXX. 

Because the autodraft payments stopped, I am now being charged a higher interest rate. I am told Wells Fargo can not refund the amount because by not being on autodraft, I no longer qualify for the favorable interest. 

Even though I never authorized the autodraft to cease, and the error was not on my part, I am told Wells Fargo can not refund me the difference in interest payments. 

I need someone to explain to me how this is right. 

I first need someone to explain to me how my checking account became an 'unknown ' account that led to my loan payments being reversed. 

At the end of the day, the difference in interest rate payments is very nominal - a few dollars. And literally at the end of the day that is all that will be because I plan to close all my accounts with Wells Fargo within the week. 

However, it is the principle - I should not be charged, fees, late payments, or interest for an issue that I did not cause or initiate. 

I am providing for your review ( 1 ) a snapshot of my WF accounts ; ( 2 ) the recent payment history that shows that my last XXXX payments came from the same checking account that is now 'unknown ' and resulted in my XXXX payment being reversed ; and ( 3 ) the loan statement that shows my payments being reversed. I did make a payment over the phone today to bring my account current.

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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Karma, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This utility bill belongs to XXXX XXXX and XXXX XXXX. They are the people that were renting this house at XXXX XXXX XXXX XXXX XXXX Ca XXXX from me. I was living at a different address paying the utilities where i was living at the time at XXXX XXXX XXXX XXXX Ca XXXX. The renters were to have changed the bill into their names, please remove this from my report and go after the people that used the utilities. 

Thank you, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: At the end of XXXX, I noticed on the NationStar website that my mortgage payment was to increase by {$1200.00} for the XXXX payment. My mortgage payment was going from {$2200.00} to {$3500.00} from XXXX to XXXX. When I looked at the escrow I noticed that they charge me twice the PMI amount for a couple of months. I also noticed that they estimated that the county and city taxes will be paid twice a year instead of once a year. When I called them to bring it to their attention, they also let me know that they had the wrong parcel number for my home. Next, I demanded that they re-submit an escrow analysis because the increase was ridiculous. They are refusing to do so until they get updated information ( which I do n't see them lifting a finger to get ). I 've been fighting to get them to update my escrow analysis for 2 weeks now and every time I call them I have to start over. Now I 'm having to run around and collect all the necessary documents because they are just going to stick with what they have even though the numbers do n't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with UMPQUA HOLDINGS CORPORATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: We applied for a $ XXXX mortgage loan XXXX % down from Umpqua Bank. Despite more than adequate income to make payment, excellent FICO score ( XXXX ), and prior home purchases involving Umpqua , the requests for documentation went back 4 years and were both intrusive and onerous. We understand all these loans get sold to XXXX and XXXX XXXX, but my understanding is that conforming loan documentation typically only goes back 2 years. Why the need for so much information and red-tape?

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company Pressler & Pressler contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have paid all Alliance One debts in full. This company is state ran and in no way do they want to let the debtor off the hook. I set up a payment plan ten years ago paying XXXX per month. Ten years later I 'm notified my balance is XXXX but the start ball was XXXX? After ten years payments well then I 'm told that the payment plan set up by alliance one was not even covering the intrest so my balance grew each month for ten years!!!! I have tried to settle this debt with no luck. Last month I paid almost XXXX to remove these derogatory remarks from my credit history. Almost a month later nothing has been removed. Please help me fix this bad debt collector from my credit. I always pay on time and always take responsibility for my debts. I am XXXX wanting to buy my first home. I have almost XXXX in cash but because of these bad remarks no lender will touch me. Help please I want to give my family a home. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX XXXX XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXXProvidian National Bank requested a garnishment judgement on a time-barred debt. The credit card debt is from XXXX/XXXX/XXXX they filed a law suit for garnishment of my wages on XXXX/XXXX/XXXX past the statue of limitations of 10 years. I contacted the XXXX XXXX XXXX XXXX in the State of XXXX. They indicated that the Law offices representing Providian National Bank did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX/XXXX/XXXX I still have not received debt validation. I believe this was a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Trouble during payment process

Complaint: This a a follow up from my last complaint because the company completely disregarded the main issue and request with that complaint. To be clear, this is NOT a request to cancel PMI on my loan. Please do not reply by telling that I am not eligible for cancellation because this is NOT what I am requesting. I am repeating my complaint from last time because it was disregarded. 

On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, SPS Servicing, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of 1998, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called SPS tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from SPS and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate SPS ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business. 

THIS IS A REQUEST FOR SPS TO ABIDE BY THE LAW AND TELL ME WHEN MY LOAN WAS SCHEDULED TO REACH 80 %. THIS IS NOT A REQUEST TO CANCEL PMI. PLEASE TELL ME WHEN MY LOAN WAS SCHEDULED TO REACH 80 % PURSUANT TO THE HOMEOWNERS PROTECTION ACT OF 1988.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After multiple disputes Equifax continues to inaccurately report a late payment on my XXXX XXXX account in XXXX of 2016. XXXX has verified that I do not have a late payment and have sent multiple requests to update the information, yet Equifax is not updating the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fraud or scam

Complaint: I purchased an American Express Secure Pay Gift Card with a balance of {$500.00} initially. I used it only a couple times when I first purchased it and then did n't use it again until almost 2 months later. When I tried using the card it was declined as having insufficient funds even though I had only used {$100.00} so there should be {$400.00} remaining balance. After checking the transaction history online I noticed that within the span of 4 days someone had emptied the card at multiple locations ( XXXX, XXXX, XXXX, XXXX ). This happened even though I still had the physical card. I called American Express to report the fraudulent activity and try to receive a refund of my stolen balance. They told me that the card could only be used in person if the user had the original physical card. This is clearly not the case and either their database of giftcards was hacked at some point and they deny any responsibility or someone randomly created a duplicate of my card with the correct card number and security code ( not likely ). American Express would take no responsibility and told me to contact each retailer where the card was used and try and receive a refund from each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Taking out the loan or lease

Complaint: I purchased a car from XXXX XXXX XXXX in XXXX 2015. When I was arranging auto financing with Finance Director, she said if I purchased additional options like a service contract she would give me an auto loan with Chase Bank for 78 months at a monthly payment of {$600.00}. When I returned a week later to cancel the option, she would not lower the monthly payments to {$350.00} for the original term of 78 months to adjust for the lower purchase cost even though she told me otherwise when I purchased the car. She wants me to continue to pay $ XXXX monthly with a new term of 60 months. In addition, after more than 2 months she has not adjusted the loan balance to the lower amount even after I contacted her and Chase Bank numerous times. Presently, I am stuck with a higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Money was not available when promised

Complaint: I requested PayPal to send me a check of {$500.00}. Estimated arrival was 2 weeks and it has been 2 months already with no check arriving, yet they still withdrew the funds from my account. I called and asked them to cancel the check and refund the money to my PayPal account so that I can transfer it. 

Their solution? I need to wait one week for the to trace the check and cancel it. After waiting a week they will then notify me of a timeframe in which they can reimburse me my money. 

This business practice is almost criminal. I never withdrew my money, I never cashed a check, yet the money is gone from my account. Why do they need to track the check? Why does it take a week to cancel it when it takes me a couple minutes with my bank? How come they ca n't give me a timeframe of when I will receive my money and why do i need to wait months to withdraw money that is mine? Absolutely ridiculous!!!

Company response to consumer: Closed with non-monetary relief