milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WI).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have contacted GDAX and COINBASE multiple times over the last 6-8 weeks and I have gotten nothing done.Even after contacting the CFPB. nothing has changed, My assets are still locked in the GDAX account and I am not able to access them or have yet to receive any explanation why my assets have been frozen and are unaccessable. I want to know why I am not getting any response and why my account is still locked. I got 2 emails saying they are working on it but nothing has been done in over a month. Can someone tell me whats going on. this company will not tell me what I did wrong or what the next step is. I'm getting completely ignored by them.I want to be able to trade again and I would like my account opened and accessable to the money I put in.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Direct financial llc bought my mortgage from XXXX in XX/XX/2016. I have made all payments on time. I received. Late notice in XX/XX/XXXX so I called and they said I was a month behind. I sent proof that my XX/XX/XXXX payment went to XXXX and I 've paid on time from last XX/XX/XXXX until present. They are ruining my credit by stating I have missed 4 months! I have pulled my online accounts and every payment has posted on time! I received another late notice in XX/XX/XXXX! My payment posted on the XX/XX/XXXX. Please help me with this matter. I am in the process of looking to buy but there is no way with 4 missed payments on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: They have reported false information about my credit reports and im prepared to sue if necessary to get this off my credit reports!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (AK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XXXX of XX/XX/XXXXso its showing up XXXX times on my credit report because I have more than one loan with Nelnet. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XXXX of XXXX. So if my account was bought current and back dated to XXXX of XXXX then how can there be late payments posted for XXXX and XXXX of XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at Nelnet has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XXXX of XXXX. 

I also spoke to an advisor at Nelnet and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: Maintained a Business Checking Account with US BANK NA, received payment via wire transfer on or about XXXX/XXXX/15, in response to what we believed to be a prior invoice issued earlier in the year, as the dollar amounts matched to the penny. Funds cleared and remained untouched in Account for 10 calendar days. On XXXX/XXXX/15, Account was subsequently frozen on the grounds the wire had been sent by our client from an 'unauthorized source '. Purpotedly due to our clients preferred source of funds for payment, our Account was subsequently closed in XXXX 2015 and the business was reported to XXXX for the following : * Non-sufficient funds activity * Writing checks on a closed account Neither of these alleged activities ever took place, nor was I accused of such activity while in communication with bank, nor does bank have any record to support such a claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt comes from XXXX XXXX XXXX and list for {$150.00} Someone used my social security number with XXXX XXXX XXXX and set up an account and never paid for it. I need XXXX XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX I send letters to XXXXn, Transunion and XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I hired a reputable company to help " clean up '' my credit report in XXXX 2016. A collection account was disputed and was taken off my credit reports. It has now been reinserted with a new open date of XXXX 2016 when this certain collection was over 6years old. The collection company being used is now called Convergent Outsourcing Inc . It 's a collection account through a XXXX. This was never verified in a timely manner according to Fair Credit Reporting Act so legally, it was deleted from all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing hard inquires on my credit report because this is fraud and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear XXXX XXXX, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX 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 07-11-2016 about Debt collection (Medical) with Credit Bureau of Carbon County (WY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was delivered a fake civil case file for money owed to Doctors. The information on the page did not have a case number or a Judge stamp. It was simply filed and delivered to my home on a Sunday by a message delivery person, not a sheriff or signature needing person. While it states it is from the Civil court its signature is from the collection attorney. This is the Second notification threat that we have received on bills that we are paying on. One of the bills has verbally been requested to be verified and they have failed to send that verification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Got a mortgage through Quicken Loans - final paperwork was handled through XXXX in XXXX, MI. Mortgage closed on XXXX XXXX, 2016. Mortgage consolidated XXXX loans : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX installment loan and XXXX XXXX car loan. I assumed that when these things were being consolidated into XXXX new loan that the other debts would be paid off - that is how we did things when I worked at a bank in the XXXX. I was disappointed when the credit card was not fully paid and I still had a fairly large interest payment to make on it. But when I found out today ( because I see the balance on my XXXX account ) that the XXXX XXXX XXXX XXXX Installment loan was not paid in full - which explains why I continue seeing them on the Declaration Page of my auto insurance I 'm annoyed. When I talk to XXXX XXXX XXXX XXXX they tell me that I not only still owe {$330.00} on the loan with them but now accrued interest - I do n't think I should be liable. I find XXXX XXXX XXXX XXXX remiss/unethical/slimy because they could have informed me when the loan was attempted to be paid off that it did n't quite do the trick and allow me to pay it off before interest accrued. They have had no contact with me about this underpayment at all! But what really bothers me is that Quicken Loans made an underpayment in the first place. I remember getting loan payoffs and the payoff was good through a certain date and each day after you would add a little on - so we always had accurate payoffs. When I mentioned this to Quicken Loans and XXXX XXXX - both told me they do n't do that except for a mortgage payoff. They just ballpark the number based on what is on the credit report they ran. They told me that we were likely told this was the case. I can only say if someone told me they were ballparking the number - I would have called and gotten payoffs myself - rather than having continued to accrue interest on accounts I thought were paid out. I 'm not sure if this is an illegal practice - or just a shady practice that shows these places do n't care at all about their customers. So I 'm sending my complaint to you so I can find out. Honestly - are all banks shady???? Both XXXX XXXX XXXX XXXX and Quicken Loans have shown me they are!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: According to my credit history report, I have a line of credit to a mortgaged company requested in 2012. I have never requested this line of credit since at that time I was only XXXX years of age. I believe someone has used my personal information including my social security number to access and request this line of credit. Please investigate, 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 non-monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Credit card) with Hiday & Ricke, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In regards to my Bank of America debt owed # XXXX with a balance of {$3800.00}, I have been trying to settle this account for some time now. I have been paying a small monthly payment over the past year to slowly pay on this account but now that I am trying to purchase a new home, I need to settle the remaining balance. My credit shows that I owe the {$4800.00} amount but I have made just over {$1000.00} in payments so i know this amount on credit is inaccurate. When trying to discuss the a settlement agreement, they state that the file is has " not been marked for settlement '' at this time and I would need to pay the full amount owed. They quote an amount that includes the monies that I have already paid thus trying to make me pay more than that is owed. This has to be illegal.

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 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX account.

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 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX i received a phone call from a debt collector claiming to represent an overdue XXXX account. I did not recall being a XXXX member and was suspicious.After checking the collectors name online multiple results came up calling the company a scam particularly claiming past due XXXX accounts. When the collectors called me again i called them out on the scam and the warnings on the web. i did not hear from them again until XX/XX/XXXX when another collection agency called me under a different name but with the same past due XXXX account. unlike in XX/XX/XXXX i demanded some form of paperwork proving any such deal between myself and XXXX.no such paperwork could be produced but they did send me a bill wich i have kept on file. They identify themselves as Diversified Consultants , Inc . ( D.C.I. ). I checked them online again and more warnings came up as results on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have been notified by equifax that my information might 've been compromised by the recent hack on Equifax. I 've contacted Equifax twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with Equifax. 
Equifax apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Medical) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am not sure how this works or if checked correctly, I am a XXXX XXXX who had XXXX, got bill sent in payment XXXX time they sent refund girl at office said they mistaken it missed my account so next month did sent in again they took payment not working, so figured send what I can medical was over XXXX until insurance XXXX, my XXXX not recognized so only have XXXX. I thought ifhey accepted payment there were no issues last bill got said only {$8.00} paid it full, few weeks later get a letter from their law offices sent in XXXX payments same account number XXXX they had received and processed them, not sure if not working and sending them money each month why they threaten XXXX XXXX, limit info protected by HIPPA as told them, hassle me under doctor 's care and told to avoid stress to much become a risk to my life XXXX if not XXXX. I thought once they accept payment under my account number I would not worry about being turned into collections let alone a law firm and law firm threatening letter, as tried to tell them once I get some of the bills corrected I can work on theirs more but have XXXX who apparently put in wrong billing address for a lady XXXX and bills hers were also sent to me confusing me getting over XXXX bills but never that I know of missed a month of sending them money accept when they called said they girl XXXX and refund payment because they looked up my account wrong which is not my fault all bills have same account number on them so assume same issue but no thinking their sort of messed up on billing if {$8.00} full bill was paid then get collection letter from their attorney which made me not able to sleep all night worried XXXX my credit after ID theft when in hospital and care facility for XXXX years, so please I just mailed another {$30.00} even though the last bill I got said {$8.00} paid in full, no 30 day notice no total of bill on account apparently so no idea how they do their billing before ill have degree in XXXX and do not understand their policies or procedures why they call when they screwed up on check but sent no prior notice before sending me to their attorneys. Or XXXX up my credit its taken years to fix since ID theft also told them not working so surprised they took this procedure and action against me is this they correct way to do this or did I XXXX up help please very upset and confused, XXXX over this issue I thought i was doing it correctly per law and their acceptance of my payments. Never said I would not pay but if turned into collection sort of counter productive in wanting to do right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Trouble during payment process

Complaint: CHASE Bank reached out proactively to refinance an active loan # XXXX for property address XXXX XXXX XXXX XXXX. During the refinance of loan # XXXX to loan # XXXX, CHASE mistakenly recorded my current mailing address XXXX XXXX XXXX XXXX as the property address being refinanced. Due to this error, there is currently no active loan for XXXX XXXX XXXX XXXX XXXX, OR XXXX. Rather it shows as a lien against XXXX XXXX XXXX XXXX XXXX, OR XXXX. I have applied for a HELOC with XXXX for XXXX XXXX XXXX XXXX, but am unable to move forward due to the incorrect lien against my property. I have been working with CHASE to fix the issue, but am unable to get them to take the necessary action. CHASE has verified the discrepancy, but have yet to fix the problem. CHASE has never owned the loan or been involved in anyway for XXXX XXXX XXXX XXXX. This is having a real and significant impact on my homeownership and financial well being. I have spent significant time and effort toward resolution. This should be illegal on all sides. It is unclear how something like this can make its way through the many checks and balances associated with Banking and Mortgage Fraud. I assume that there is some sort of consumer protection in place. Please help! Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Advertising and marketing

Complaint: I am a US Bank XXXX XXXX Visa member. I pay an annual fee They advertise a benefit on hotel stays when booking with their hotel rewards program and for being their Credit card customer. They changed the terms and will no longer offer the benefit of XXXX night free on hotel redemptionshttp XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never have been a XXXX XXXX customer. I was at ahelter during the time they provided the servive in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation