milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

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 07/16/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other service issues

Complaint: I 've been trying without success to talk to Western Union About my inconsistent attempts to send money by using their website. I 've been a customer of theirs for many years. Over the years I 've probably sent XXXX of dollars in money transfers over the Internet. The website will not handle my information. I get error messages it wo n't allow me to even complete the transfer. Transfer is not declined the website simply will not work to let me place it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXXI attempted to make a rent payment using my Google Wallet account. The transaction was cancelled. When I reached out to Google customer support, they informed me that the card issuing bank had cancelled the transaction. I called XXXX XXXX, the card issuer, and they stated that the transaction had posted to my account and they did not cancel the transaction. I then contacted Google support again and relayed the information the bank had given me. Google then stated that they flagged my account as risky and cancelled the payment. Further, they reviewed my account and unflagged it. At this point I asked if the transaction would go through and Google support stated no that it was cancelled. I then asked for a refund and was told that usually refunds are instant, though sometimes can take 10 business days. I asked if there was an issue returning the money and the support response was " In an ongoing effort to protect customers and Google from fraud during transactions, our Risk specialist team reviews all transactions coming through Google 's payments service ''. I then asked for the names and ID 's of the specialists involved as I plan on filing a complaint and was told that information was not available. Google support has stated that " Rest assured that your money is safe with us. It 's a process based decision to keep the account on temporary hold when they find any risk issues involved. '' but has refused to release my money or push the transaction through even though my account had been assessed to not be a risk. Google has refused to release any names or ID 's for the specialist team. The risk assessment seems arbitrary and without warning.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. 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 explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with National Financial LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A woman from Loan Til Payday in XXXX Delaware, at the phone number XXXX called. I answered the phone by telling her to remove me from her list. She said she is looking for XXXX something and I told her I do n't know XXXX, he does n't live here and remove me from the list. She ended the call by calling me a XXXX and hanging up on me. When I called her back, she refused to give me her name, her manager 's name, he corporate phone number or any other identifying information. I called another location of Loan til Payday and got the corporate phone number from them. I spoke to XXXX and explained what happened and he said he would get to the bottom of it and get back to me. I am very angry with her unprofessionalism.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

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 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I made a wire transfer to COINBSAE INC on XXXX XXXX, 2017 in the amount of USD XXXX. Below is the email that we received from COINBASE stating that our wire transfer will be sent back to my account in 3-5 business days. It been over 2 months and I have not yet received my money back. I have been to my bank and they requested wire recall three times and COINBASE bank did not respond to wire transfer recall despite they told us that they have rejected our wire. Here are the details of the wire transfer 

XX/XX/17	WT FED#XXXX XXXX XXXX  XXXX=COINBASE INC SRF# XXXX TRN#XXXX RFB#	 	$XXXX

On XXXX XXXX, 2017 at XXXX PST "Coinbase Support"  wrote:

Hi there,

Thanks for your interest in wiring funds to your Coinbase account.

We recently received a wire from a name that didnt match the name on your Coinbase account. Unfortunately, in these cases we are unable to accept the wire, so we will return the wire to the account it was sent from. This reversal process typically takes 3-5 business days, but may take longer.

I apologize for the frustration with this. To avoid any difficulty moving forward, please send future wires from an account that matches the name on your Coinbase account. Please feel free to try the wire again from a different account in your name.

Thanks for your understanding and patience, and for choosing Coinbase!

Thanks, 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with HireRight Solutions, Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I received ticket in Indiana for failure to obey traffic signal. On XXXX the speed limit was XXXX but slowed down when was close to red light when my front steer tires hit the white line the light turned yellow .there was an officer sitting in red light to my left. He should know that I could not have stopped that quick even if I were goin XXXX the weight of a tractor trailer would not be able stop so sudden without loosing the load on flatbed trailer. I was goin show for court but it 's very hard. For driver to make court when you travel so many states.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This collection company spoke with a third party without my consent I disputed it online with XXXX and never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was trying to get a modification with XXXX XXXX XXXX in XXXX after my wife lost her contractor 's job with the federal Government and I had a life changing event XXXX due to an unfortunate accident. 
In the middle of the modification with XXXX XXXX XXXX they sold the servicing rights to Nationstar Mortgage L L C who has been reluctant to work with us over the last two years they started foreclosure proceedings even had a sale date of XXXX/XXXX/XXXX through their lawyers XXXX and Associates in XXXX Maryland, please be advised that I have attended meditation and have submitted several loan modification to Nationstar Mortgage which got lost in the shuffle somewhere please be advised that since acquiring this mortgage in XXXX myself and wife was never late or missed a payment until our unfortunate situation in XXXX. Nationstar denied our modification over and over again and each time ask us to resubmit an application which we did as recent as this month of which they gave us an alleged modification for 4 % interest rate which require a {$10000.00} down payment with a monthly payment of {$5400.00} without a a breakdown please bear in mind my current monthly payment which I am trying to modify is 4.2 % interest rate with a monthly payment of $ XXXX find this to be unfair and at this point I considering filing Bankruptcy in order to keep my home Nationstar is not very helpful and is not playing by the rules also. I have a lot documentation from their attorney telling me one thing while they are doing something else. 
Please investigate this matter we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting to ( Experian ) which they have n't verified the debt that I owe Account # 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 02/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other service problem

Complaint: I have been locked out of my account with Coinbase with no access to funds within it. I logged a report with customer service on XX/XX/XXXX during which i was told purchase orders were suspended on my account. The reason was not provided and I was informed that the issue needed to be escalated. An estimate of 3-5 days was provided. 
A week later and no contact was received so i followed up and was given the same answer - the issue has not been reviewed yet and is sitting in queue. 
An inability to create a purchase order should not preclude me from viewing my current holdings. I am completely in the dark as to if my account balances have been tampered with. Coinbase has effectively frozen my assets with no warning. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a collection account on my credit report with XXXX balance from XXXX XXXX XXXX as of XXXX/XXXX/13.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notifications from Pressler and Pressler on various lawsuits. 
First, they have been sending notices to an address that I do not live at anymore and do not have any access to. My mail has been forwarded and changed with DMV, so I find it odd that they can not use my correct address, but mail something to an old, temporary address instead. I only happened to find out about it because I ran into my old landlord. 

Second, they have been contacting people that I am only distantly contacted to. First there was my boyfriends ex-wife who was more than happy to tell everyone how " some lawyer contacted her and said that XXXX is going to jail if she does n't respond ''. Then they contacted my dead fathers wife ( who I have NO contact with ) and told them the same thing. Her daughter was more than happy to get on XXXX and spread this as well. 

All this is bad enough, but I recognize none of these debts. I have not had a credit card in many years ( far longer than NJ law allows debt collection for ). And I also do not know how they arrived at the last name XXXX or the middle initial " XXXX '' that they keep attaching to my name. My name is XXXX XXXX, no middle initial and no other last name. 

A few years back, I had my wages attached by an unknown law firm ( I am assuming this was them ) with no notice so I am assuming that they sent letters to an old address again. I did not have the job long after and did not have any money for a lawyer to fight it and, mistakenly, I let it slide. 

I requested that they validate these so-called debts with me and also verify these other names they keep attaching to mine. I have not had a response yet. 

I am not sure I chose the right category above because there are so many problems. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no knowledge of this creditor or debt. It is reporting as an open account to the credit bureaus and is negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Account #  XXXX   XXXX   XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in  XXXX   XXXX    XXXX    XXXX  in the amount of {$53.00} that was reported on all  XXXX  credit bureau reports. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Closing on a mortgage

Complaint: I am an XXXX woman and was told that the best rate was being given and I was going to have to pay for closing and the rate was going to be lower than it was. They sent the agent over to my house to go over the paperwork for me to sign. I have n't received my copy at this time yet. So why looking at and listening to what he was saying. I said I did n't want to proceed. That it was n't what I was told and it did n't seem like it was going to be the best thing for me. I was then informed that I can sign the forms and have time to not accept or cancel them. After I spoke to Quicken loans. When I contacted them they said it was to late. That it was already done. I told them that I was told I had time to speak to someone about this. and was told again its to late. XXXX XXXX. XXXX XXXX contacted me and told me that he was going to keep going back and forth with me, That its already set and done. That I had 3 days to think. And the check was in the mail. If they count the weekend as days to think and not answering the phone Monday morning. I just do n't know what to do or say. But this deal I did n't want or would of considered. I thought it was a type o and they where going to fix it

Company response to consumer: Closed with explanation