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

Complaint: I attempted to deposit XXXX Euros on my verified account on Coinbase.com via XXXX deposit. On their site it explicitely states that XXXX deposits take from XXXX days. By the date im writing this 20 days have passed. I attempted to contact them without luck. 
It seems that i will have to talk to my bank and retrieve the funds somehow. 
Please make sure others are aware of the dangers. 
Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2016, I received a letter from Wells Fargo Card Services informing me that my credit card account had been closed. ( I am attaching the letter to this complaint ). The reason provided by Wells Fargo was that there have been unusual activity on my account that that because Wells Fargo had been unable to reach me they had closed the account. Please note that I have not been contacted by telephone, mail, email or in any other matter by Wells Fargo concerning any aspect of the account. 
On the same day that I received this letter, I contacted Wells Fargo Customer Service. The customer service representative told me that she did not know why the account had been cancelled. She then kept me on hold for 6 minutes while she supposedly checked with the Fraud Unit. She came back to tell me the Fraud Unit had not cancelled the account, but that the account was cancelled by the Collections Department. I inquired why my account was in collections because it had not been past due and I had received no notifications ever from Wells Fargo that the account was past due. I then asked to speak to a manager. After another 7 minutes on hold a manager came on to inform me that he would transfer me to Collections. After another 6 minutes on hold he came back to state that I would need to send a photo ID to collections in order for them to discuss the matter with me. I found this to be completely unacceptable. At this point, I do n't much care if all of my accounts at Wells Fargo are closed because I am utterly dismayed by the incompetence of everyone at Wells Fargo. However I want to know why my account was closed and ensure that there has been no adverse actions initiated by Wells Fargo against me or my account. I also want to ensure that others do not have to deal with the gross incompetence that I have endured in trying to resolve a matter related to my account. I am hoping that the CFPB can help Many Thanks

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 04/14/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told incorrect information about my loan and money was not handled the way that I wanted in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Problems caused by my funds being low

Complaint: this is second time i write about wells fargo business account other answer was ridiculous. and in no way resolved issue. i resent spending my time like this. 
i again got feed on my business accounts WHEN IN XX/XX/XXXX i opened it up promised 6 months no fees on businesss accounts. i am closing all accounts later this month. i am tire dof the mishap this is why the account is not funded and will not be since wells can not keep a promiseplease credit the fees asap and make sure it does not happen this month i am leaving this month i asked for one year i did not get it which is why its not funded GREED GREED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: American Express is the worst credit card company.They charged my credit card without my authorization. 
I have spent thousands of dollars in attorney fees and is telling me I 'm responsible for paying for it. Stay away from American Express. If they come near your wallet, throw your wallet away. If they call you hang up immediately. 
My experience with Amex is terrible. They keep sending the same questions to my attorney and is just the worst company to deal with. No resolution, just give you the run around. If you have an Amex account, discontinue using them. 
Stay away! Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. 

I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. 

Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. 

What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. 

My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. 

I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? 

Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. 

Thank you. 

Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with collection agency name I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I enrolled in school in 2009 and at that time, my student loans were through XXXX XXXX. The semester prior to my last, I got married. During my last semester, my XXXX XXXX loans became Navient loans. My school hyphenated my last name to keep my maiden name and add my last name. After graduating, my student loans had been coming in my maiden name. Fast forward 2 years and my husband had his student loans consolidated and enrolled in a repayment program through a 3rd party. I wanted to do the same so that company reached out to Navient to begin the process. They ran into an issue with my last name. I had to take over the process and contacted Navient. I was forthcoming with the reason I needed to change my last name. They told me the information they needed and directed me to my online account. No matter what I did, I could not get signed into my account. On 3 different occasions, I spoke with Navient customer service representatives that told me they were mailing me the information I needed to fill out and return with a copy of my marriage license. My address was confirmed each time and each time I received nothing. The last time I spoke with them, I told them I was mailing them a copy of my marriage license and if my information wasnt updated, theyd get no more of my money. My information was not updated, in fact, I still receive daily phone calls for my maiden name telling me they need me to call back to discuss my account. I keep seeing and hearing horror stories about this company and I need to speak up as well as everyone else so this company is stopped! Due to the on going issue, the last I knew, they are claiming Im owe almost twice of what my original loans totaled. They wont be seeing one penny of that from me due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Every month since Nationstar was assigned our mortgage we have been harrassed by phone calls stating that we are 2 months in-arrears. When we assigned I made a call to nationstar stating that my husband is on XXXX and gets paid the XX/XX/XXXX, They told me that it was n't a problem because we have 10 day from the due date to pay. We are on automatic payment so it is sent the XXXX of every month, which is in the 10 day window. Since this has been going on for XXXX years and we repeatedly explain this to them monthly. We receive XXXX to XXXX calls a day from the XXXX of the month to the XXXX. We have proven to them that we are not in arrears with copies of our payments. Now we have not been late in the 20 years of paying our mortgage, and only having 18 months left. We like to know our rights and how to stop the madness.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Payday loan) with Roycroft Management (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Steadily calls me at my job providing Claim XXXX even though I give many verbal cease and desist requests But, they still make me nervous because yet again they leave me more messages. 

Very aggressive individuals these people have never sent me any written communication. 

These people called saying they were central mediation. 
Their number is XXXX. 

They are advising that I call a specific number to get more detail otherwise someone will be coming to home to serve me with papers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Received notice from XXXX that SPS would be taking over out mortgage servicing and to not send a payment after XXXX XXXX ( next payment was due XXXX XXXX XXXX ). We had to wait for the new account to be established to send in the payment to SPS in XXXX 2016, after we received the paperwork on how to manage online account we attempted on XXXX XXXX to register the account ( unknown account number error ) then on XXXX XXXX ( due date ) we attempted again and the " Security code '' that was supposed to be emailed to our email address never arrived, not in spam folder either, attempted under two other email addresses none worked. The phone number we are required to call asked for account number, enter it and we get hung up on ( tried this 6 times on 4 different days ) ; finally requested the code in writing, no response. Now my mortgage payment is sent in 8 days late ( grace period in until XXXX ) by my bank XXXX on the XXXX of each month and cashed by SPS on the XXXX of each month ( XXXX & XXXX ) however, they call me starting on the XXXX and do n't stop until the XXXX for payment stating its late, today the XXXX they called my private cell phone number which I never gave them so how did they get my cell number? And why are they calling when the account is current? When I call the automated line, enter my account number it states my last payment was made XXXX XXXX and my next payment is due XXXX XXXX. I am XXXX and the back and forth to the phone is ridiculous, having access to the online account would be helpful and I have requested they communicate in writing. There is no need for endless phone calls when the bill is paid, I consider this harassment when there is no reason for the calls, really wish I had a choice about this company being involved in my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 03-12-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I finally received the report on XXXX XXXX XXXX. Neither me nor the bank understands what the report means, or why I have a low score. Nothing in the report indicates why I would be a high risk client for a checking account. 
I would like my record to be completely expunged from ChexSystems by no later than XXXX XXXX, XXXX ( 30 days since requesting the report ). If not, I will be forced to hire a lawyer to investigate ChexSystem 's compliance with the Fair Credit Reporting Act, and file a dispute for each false claim by ChexSystems.

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 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: New Address : XXXX XXXX XXXX XXXX XXXX  XXXX recovering from Hurricanes in XXXX. 
main home hit. 
pls. work with us during recovery

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Mortgage) with Aldridge Pite, LLP (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: 1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 

2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 

3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. 

WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection 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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have been reviewing and monitoring my credit report and Capital One and XXXX, XXXX and XXXX still has n't deleted permanently the negatives and charged off wordings with on my credit reports. On XXXX XXXX,2016 a Bankruptcy Chapter XXXX was filed and XXXX by Federal Judge on XXXX XXXX,2016 in XXXX, Texas Federal Court and Capital One Credit cards ending # XXXX and XXXX and any Capital One credit cards negative wordings on my credit reports should be deleted immediately. Under the Federal Fair Credit Reporting Act,15 U.S.C & 1681 ( FCRA is a legislation enacted to promote the accuracy.fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: On XXXX XXXX XXXX I reported that XXXX XXXX XXXX XXXX was not reporting up to date payments. On XXXX XXXX I reviewed the Transunion. TransUnion deleted the XXXX XXXX XXXX XXXX account. XXXX XXXX was the Customer Service rep for Transunion and stated without a doubt that XXXX XXXX Requested the Account be deleted from my report. I have spoken with XXXX XXXX who assures me that all information. I am also including an updated Credit Card Information Letter, that shows payments are up to date. Credit card is active is being reported correctly. Transunion is at fault for both improper payments as well as deleting of accounts.

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