milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Hello, I have USD Wallet in my Coinbase account and I have made three transferences from my bank account ( XXXX XXXX XXXX ) to my Coinbase Account. These transferences were made the X/X/2017 ( {$700.00} ), the second one was X/X/2017 ( {$300.00} ), and the third one the X/X/2017 ( {$2000.00} ). I can see the total amount is in my account but I can not buy or withdraw the money. Each time that I try to move it I get the following message : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn. '' I have provided several times the information that they are requiring but the system does n't recognize it. I have emailed them twice but I have not got any answers from them in a week. I am an XXXX XXXX with an XXXX, and I have a job XXXX XXXX, so I have a Social Security Number. I am hoping that they can verify my identity ASAP, since they were able to verify my identity through my Texas Driver License before. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$760.00} XXXX XXXX, XXXX This company has put this on my credit report ( XXXX XXXX XXXX XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being charged {$600.00} from central financial control which is a debt collector for XXXX medical center. This debt and account is an authorized and my primary care physician is located in XXXX and this debt originated from 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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Medical) with Revenue Recovery Corporation (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare/medicaid and this item is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Mortgage) with Seterus, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are behind on our mortgage by XXXX payments and some late fees. My husband arranged for XXXX payment to be made from our checking account on a certain date ( following his next payday ). I have since received XXXX phone call requesting immediate payment of the entire amount owed and XXXX calls that I did not answer ( prior to the scheduled date ). Serterus has both of our cell phone numbers and it seems that, since my husband has arranged a payment, they are now calling me.

Company response to consumer: Closed
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Collections Account # XXXX is reporting on my Equifax credit file as a duplicate account. The same debt with the same open date, account number, and balance is reporting twice on Equifax and I 've disputed this account on several different occasions only to be told it 's reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has blended the credit report of family member with a similar name and social security number with my credit file. They have been provided with the correct information and acknowledge that a mixed file has occurred but have refused to separate the XXXX files and deleted the accounts and inquires that belong to this person. I have filed several disputes with them over the last several months with no success of getting this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: APR or interest rate

Complaint: I purchased a XXXX TV ( {$890.00} ), TV stand ( {$170.00} ) and wireless adapter ( {$58.00} ) from Best Buy XX/XX/XXXX and the purchase, totaling {$1200.00}, was considered a " same as cash plan '' with no interest financing for 36 months. I made regular, timely payments every month to Best Buy ( normally exceeding the " mininum balance due '' reflected on the statement ) and on my XX/XX/XXXX statement showed a previous balance of {$1300.00}, a {$200.00} payment, and interest charges of {$1200.00} ( 96 % of the original purchase amount ). I have been a loyal Best Buy customer for decades and have utilized their " no interest '' offers on many occasions, being charged interest at the end of the program period only on the UNPAID balance - in this case {$380.00} - not being charged accrued interest on the entire amount for the entire program period. I was informed this was due to the Best Buy 's change to Citibank MasterCard as their financing servicer. As I never ACTIVATED my Best Buy Citibank XXXX ( I still have the original credit card received with the activation sticker on the front ) and was not informed of the change in the financing terms, I would request CFPB advocate on my behalf with Citibank to adjust the interest charge to only the UNPAID balance. 
I sincerely appreciate any help or guidance your organization is able to provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (GA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: On  XXXX   XXXX ,  First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage.   This is unacceptable and the telephone support channels have done nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with GC Services Limited Partnership (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: identiy thef with  XXXX   XXXX  visa.purchase was made in newyork. and I  livein Puerto rico.file police report in Puerto rico.am ount of  XXXX  .need he lp.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They are calling me at work after telling them repeatedly I am not allowed personal calls at work/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this item several times. A tax lien was placed on my file in XX/XX/XXXX. It was not supposed to even happen as the filing was inaccurate. I paid the money that the state said I owed to avoid this issue. Despite paying the {$1500.00}, a " lien '' was attached. I immediately, when I found out, addressed this issue. The case is settled, closed and moot. Experian and XXXX XXXX have corrected the issue. Equifax did not. I was denied a student load because of this and disputed the information again in XX/XX/XXXX/XX/XX/XXXX so that I could obtain federal student loans. I assumed it was taken care of as I got the loan. I applied for a XXXX XXXX and found this on my file still. I called the pronothary 's office and they CONFIRMED that they do not send information to the credit reporting agencies. I spoke with several agents at Equifax who provided me with canned responses. XXXX said that the dispute had been verified by the pronothary 's office and I advised her that this is simply not true. She then revealed that a third party trolls for the information. I advised them that the information that they placed on my file is in accurate and has caused a ton of hardship. Same response - nothing. I am caught between a rock and a hard place and XXXX office tells me that it is a credit bureau issue and the credit bureau tells me that they are reporting accurate information. I have documentation that the lien is settled and in error and this has been sent several times to Equifax for correction to no avail. I have been given incorrect, inaccurate and downright false informatoin by Equifax employees and I would like this investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with Worldwide Recovery LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have a man named XXXX calling from Worldwide Recovery stating he has is an attorney trying to hand me a summons at my home because of a criminal case I am named in. He said that a company has hired them to deliver the legal papers to go after me with a sheriff going to be sent to my home. He kept wanting to verify my social, and got very angry when I would not, i told them they have harrased me before, saying a sheriff would be at my house and bring me in if I did not set up an automatic payment with them, in regards to my XXXX XXXX account ( the original creditor ), they said if i did not pay today it would be out of their hands and the sheriff would be coming to my house for their client. He then started to state all my personal information that he could not have unless he pulled up my credit report which he had no authorization to do. I am not scared because I have dealt with them before, and i told him he was misrepresenting himself, he is not a lawyer he is a debt collector and he hung up on me, now I have this new guy XXXX calling and threatening me, I told them specifically do not call me back ever again, and they do every day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: try to modification my mortgage and told me not to make a payment on my home ..it took 10 months now they want {$8600.00} to keep my home,, need help Please

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has me 60 days late when I have made more payments than I should have paid. They are showing me due for the XX/XX/XXXX payment, not only have I paid that payment, but actually I 've paid the XX/XX/XXXX one. Example : if there have been a total of 48 payment due since the modification, I have made a total of 49 payments, but they have misplaced two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Greystone Alliance LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: They call my dad and say it is XXXX XXXX calling because a formal legal complaint has been filed against me and if he or I do not call back that they will have to get the police involved to find me. I call their number, XXXX. I am my dad 's XXXX and with him all day. This caused unnecessary stress for us both. I called the number and it is XXXX XXXX. They are a collection agency that demands payment immediately by credit card or they threaten you with court and jail time telling you that you committed a crime. We had a call exactly like this 5 months ago where we reacted to the fear tactics and we paid off more than {$600.00} for a supposed pay day loan that I never took out. I will not pay another fear mongering debt collector for a charge that is bullied and not mine. I especially ca n't get past them trying to scare my dad with the way they leave their messages and try to pretend the person they are calling about is about to be arrested if not for immediate action. I honestly do not know if this is connected to the company I dealt with over the supposed payday loan months again but their tactics are identical. I ca n't help feeling they are the same company or connected to them. Please help put a stop to this type of fear and lie based calling of relatives.

Company response to consumer: Untimely response
Consumer complaint received 03/16/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans.

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 10/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient re-amortizes my loan every quarter so they can keep making money from interest. When my loan started, it had payments around {$100.00} per month. I have been making separate individual extra payments and as a result my auto-debits got down to about {$30.00} a month. This should be illegal as they recalculate the payment based on amount and time remaining on the loan for the purpose to keep my loan alive as long as possible to make as much money from interest as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold bank account with the promotion code XXXX. The signup bonus ( XXXX ThankYou points ) was to be provided within 3 months of meeting bonus terms and conditions. After the XXXX month period, and after completing the bonus terms, Citi rescinded the offer. I am now stuck with {$90.00} in monthly fees. Citi needs to follow through on the agreement we initially agreed to.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXXXXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

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 02/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2007 I XXXX with an XXXX degree. Since then XXXX was purchased by XXXX XXXX and now they too, out of business.. The XXXX location that I went to was sued and found to have given fraudulent placement rates and graduation rates. 
My private loan listed on Navient is at {$49000.00} and not only can I no longer afford this, I do n't feel like I should be paying for a worthless degree and education that I chose based on their lies. 
The other issue is they have the completely wrong school listed on my loan. They have the XXXX XXXX XXXX XXXX, which I have NEVER attended. 
A lawyer suggested I reach out to this agency for info and assistance. Thank you for your time and any help or advice you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (AA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I havent recieved a statement. 
I havent recieved a debit/ credit card. I am a victim Of International crime. I need access to my account ive had to reset my password

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 Bank account or service (Checking account) with KEYCORP (OH).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016 I submitted a bill pay item in the amount of {$850.00} and as of XX/XX/2016 the payee had not received the check. I stopped payment on the item on XX/XX/2016 and was told various time frames by several telephone Rep when I would be receiving a credit back to my account. As of today XX/XX/2016, my account still does not have a credit for the missing bill payment. In this era of electronics I feel that Keybank is taking advantage of holding funds to retain interest in their holding account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Vehicle loan or lease (Loan) with Meridian Buyer’s Group (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I had an automobile financed through Meridian Buyers Group, the vehicle was totaled XXXX XXXX, 2016. I  had full coverage insurance at the time with XXXX. It took XXXX months to complete the insurance claim. Payments were still made to Meridian Buyers Group, upon Insurance company contacted to advice payment on vehicle, Meridian did not stop charging me late fee, dings agains my credit, then sent paperwork to XXXX stating the vehicle had been repossessed, but in fact that was not true. XXXX issued payment for vehicle and the Meridian Buyers Group sued me and garnished my wages for {$2800.00}. Its still being reported on my credit as a charge off and I had never been late on the payments. Ive made several attempts to clear this issue up with the office, by phone, by email to the office, then reaching out by mail to the CFO as well as emails to the CEO, CFO with no response. I have also made 2 attempts to speak to the legal team as Meridian refers to them as, with no response. I would greatly appreciate your assistance in this matter. I feel as though I have taken all necessary steps to resolve I would like this investigation to start immediately, as well as my credit restored as it should me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation