milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am locked out of my account with XXXX usd out of access and no matter what I can not get coinbase to respond with anything that actually resolves this. 
I lost, and have now replaced, a 2 factor authentication device ( my old phone ). I previously complained to the CFPB about this. Coinbase replied in a way that indicated that they had not even read any aspect of the complaint at all. They have taken zero real steps towards resolving the issue. 

The response they sent to me after the CFPB forwarded my initial complaint was an auto-message identical to the first one they sent to me. This indicates that no one had even read my emails to them. 

I really need a solution to this now as my assets are depreciating and they are denying me access to my funds and are misrepresenting the situation to both BBB and CFPB by saying that I will be contacted by an agent. I have received absolutely zero assistance from coinbase other than additional auto-messages ( many of which are repeats ) which do not resolve my issue. A human agent is needed to solve it. 

I have created a new account as instructed several months ago before they stopped replying the first time. Now the site claims my id is invalid. This was not the case when I used the same id to send them money. It must have become invalid now that I want to withdraw it seems. 

I feel at this point they are sending me in circles and have read none of my messages. No genuine attempt whatsoever has been made to restore my account access despite months of trying. Any time they reply, it 's an auto message, and then there is no further contact. Even after the CFPB asked for a reply, I was only sent an identical auto message which clearly indicated that no one had read my messages. This can been seen in my attached ( fourth attempt ) to get a real reply from them. 

Furthermore, many many other people seem to be in similar situations with this company as complaints are becoming highly visible online.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Medical) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my balance in full to ATG credit since XXXX but still they DO N'T want to remove the account in my credit report even i wrote them a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (GA).
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: Fay servicing respond to the complaint, and only resolved 1/2 of the problem.  BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on 7 occasions ). This ongoing issue with Fay is hurting our credit score and the ability to get a mortgage.
Below is the email that I sent to Fay on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years.
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account.
1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account.
Please feel free to contact me with any questions.
Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XXXX of 2015, I applied for a XXXX XXXX Bank credit card and I was denied due to the bureaus not providing a credit score. Based on XXXX XXXX Bank criteria, certain information to make a determination for approval for credit was not available to them to make a decision. This decision has hurt my credit tremendously. Attached are relevant documents for this bureau to review and update their information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was not informed that the loan required that I start making payments immediately while in school. Now that school is complete I have a total payment that is twice the amount I originally borrowed. How is it possible to have more interest than the original amount borrowed? I have tried to work with navient but with no success. Can not afford to pay more in interest than originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: on XXXX/XXXX/XXXX I applied for a loan modification of my house with XXXX after 8 months of negotiation and when they have all documents to make a decision, XXXX on XXXX/XXXX/XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX I have submitted a complete loan modification package and keep constant communication on XXXX/XXXX/XXXX XXXX XXXX from Carrington Mortgage has requested recorded divorce decree and quitclaim deed.XX/XX/XXXX XXXX XXXX has requested aditional info. on XXXX/XXXX/XXXX XXXX XXXX told me that foreclosure is on hold while they review the loan modification package XXXX/XXXX/XXXX XXXX XXXX asked me to resubmit the complete package. on XXXX/XXXX/XXXX I calle dXXXX and he told me that on XXXX/XXXX/XXXX the foreclosure was executed because there was not enough time to work out the loan modification. This is an abuse, they lied to me now I 'm going to be homeless because XXXX and Carrington Mortgage Services LLC are so irresponsible. Thank you in advance for all the help that you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX / XXXX /  XXXX   I was on the phone wi th Wells Fargo for ove r an hour ; no one has the " power '' to fix the issue. Got the furthest with  XXXX   XXXX  who said no one could refund more than one late fee and he was the highest person I could speak with.     To summarize the issue, on  XXXX / XXXX /  XXXX   I logged into  Wells Fargo Dealer Serv ices website to catch the auto loan up. At this time it said the balance due was {$250.00} on  XXXX / XXXX /  XXXX  , I made this payment at that moment, and scheduled automatic payments starting on  XXXX / XXXX /  XXXX  . Unfortunately, the amount due was not actually {$250.00} and an additional {$240.00} was due. I understand that at this time, but the website to this day displays incorrect information indicating that the loan is not behind a payment.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Today is XXXX XXXX, 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX, Experian and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

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 03-02-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I am writing to complain about excessive overdraft fees on my TD BANK checking account. 

NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally. 

What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions. 

For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/<YYYY> They explained this is due to processing delays. 

They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits. 

I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly. 

I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly. 

The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}! 

The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges. 

I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!

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 03/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The school is XXXX XXXX, I am the parent co signer on this loan ( although I do n't remember signing on it ) the loan is past due and XXXX the loan company is requiring that over XXXX a month be paid we can not afford this kind of monthly payment and a supervisor ( we have her name and ID number. ) agreed we could pay XXXX a month. We sent in the payment via the automated line as agreed. now XXXX states that this agreement was never made. To make it worse they have no record of the payment being made. we have the confirmation number for this payment. we have no problem paying but for the amount agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Good afternoon, My name is XXXX XXXX and I just read about the suit you filed against Navient Solutions. I am a student loan borrower and owe a considerable amount to Navient. I have had numerous instances where I 've been given questionable advice and encouraged to put my loans in forbearance. 
For about a year, I 've been on an income-based repayment plan. They have withdrawn more than the agreed amount on a few occasions. They returned the money, but only after I had to call them month after month to describe the problem. It would take up to 30 days to see the amount back in my account. 
Their employees are also unprofessional. When I was setting up my income-based payment plan, one of their employees called me from their cell phone and asked for personal information. It sounded like she was going to write this information down on a piece of paper and process the application when she was back in the office. I asked her to call me back when she was at her desk. 
My family and friends who also owe money to Navient could add a plethora of unscrupulous stories to my list. I would like to help you out in any way that I can. 
Please feel free to reach out at any time. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I filed a complaint before in regards to this company, Western control services served the wrong address, the wrong person and I have never even been given copies of the service, I have never even heard of the person that was served and I told them about this, I called them after getting the paperwork sent to my job for verification of debt and tried to set up a payment plan with them, they asked me to send them copies of my bank statements so they can review and set something up with me, I called them and left a few messages for return call after I faxed my statements and got nothing in response, then today I came into work and got my check and am now being garnished for over 700 a month. I am a single father with XXXX children and XXXX has a XXXX that we deal with daily. I cant even afford my rent because of this garnishment. The service of the paperwork from the beginning was incorrect, I told them this and still they have ignored the mistake on their part, they have committed multiple FDCPA violations when I did call in to them, No Mini Miranda was given to me by XXXX different people I spoke too, proper verification was not completed either when I called in and they just went into the call with me. I am asking and begging for help from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt was to be forgiven by original creditor per phone conversation. This should n't even be on my credit anymore as I became permanently XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I deposited {$720000.00} in my wife 's account at Wells Fargo Bank. The funds cleared my account in Wells Fargo Bank. After several weeks the bank unlawfully took the funds out of my wife 's account, which was a joint account.This turned out to be our life 's savings. 
Later the bank claimed that the funds in my account were there by bank mistake, but I never received any notice of dishonor any kind on any of the deposits. It is against Federal Banking Law to remove funds without a dishonor notice.If the XXXX had been deposited in another bank we would have our money because they could not have simply removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Money transfers (International money transfer) with VIAMERICAS CORPORATION (OR).
Issue: Other transaction issues

Complaint: Created an account with Viamericas to transfer money to a friend in XXXX. The account set up included personal bank account numbers to facilitate the transfer. Initially I was notified that the transaction was " successful '', but the recipient never received the funds. The company 's website later indicated the transaction was cancelled. Thankfully, my account was not debited. I made numerous attempts to contact the company 's customer service and have the account closed. Most of the time I was put on hold and then the line went dead. I received XXXX e-mail from XXXX XXXX XXXX ( XXXXXXXXXXXX ), Sr Fraud Risk ManagerViamericas Corporation, on XX/XX/XXXX, stating my request to close the account had been forwarded to their IT department. I have not received any further correspondence and the account appears to be still active. I am concerned about the potential for misuse of my account information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (I do not know) with GC Services Limited Partnership (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a third party and do not have a debt they are trying to collect. They have contacted me several times after I have asked them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XXXX   XXXX   XXXX     I deposited a check into my account for  XXXX . Without cause or notice, the check was reversed. Upon calling the m, FOUR DAYS  LATER, they stated it was because it was third party and signed over to me and to 'just come in '. They stated they changed their ATM rules but did not put a notice regarding the new rules on their ATM regarding depositin g 3p ch ecks, nor did they mail disclosures to their customers.   I have been a customer wi th US Ba nk for a decade. I have deposited numerous third party checks and none were reversed. Because they failed to provide conspicuous notice or mailed/emailed notice of their changes, I was harmed.   Additionally, I am also an e-statement customer who receives notices via email. They have my email, my phone, and address and they did not send me any notice regarding the reversal leaving my balance dangerously low. Under the federal law their are required to ensure expedited deposit availability have the responsibility to notify me when issues aris e. FOUR day s passed since the reversal with NO CONTACT. They failed to perform due diligence, they reversed a valid deposit without cause an d may h ave impacted my ability to obtain a mortgage as I am actively seeking a home and am pre-approved with requirements to release my bank statements for a period of time to validate my application. This reversal severely reduces my average balance.   I would like to ensure this does not happen to anyone else.

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 01-12-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call that addressed me by first name and stated that she needed to verify information for an application that I had submitted which I thought was odd and addressed me by my first name and repeated my last XXXX of my social once she verified that she stated it was to collect information for a debt which she was not upfront and tell me that in the first place, then she proceeded to inform me that she was calling from Dynamic Recovery for a debt they had placed in her office XXXX/XXXX/2015, I asked her for information as to the account and the debt, her information and company information and she proceeded to tell me I was not cooperating with her. I reminded her the conversation was being recorded and she then placed me on hold and I was in silence for several minutes forcing me to hang up because she did not respond to me.

Company response to consumer: Closed with non-monetary relief