milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have coinbase and I bought bitcoin and then sold my bitcoin and now I have USD in my coinbase wallet but they wo n't let me transfer it to my bank account. 

I have emailed them and continue to try to " verify '' my bank account ( which I already verified and which was already used to even withdraw funds into my coinbase account ) The process is insane but I already went through it. 
So I started it again which was prompted when I went to withdraw my USD into my bank and they said they would withdraw 2 amounts into my account and that I need to tell them the amounts in order to verify my account. I got the amounts in my bank account and when to verify - the amounts were over {$1.00} and they only had an option to put in cents, no dollar. So I put in the cents portion and they said they did n't match. OF course they did n't - coinbase did n't allow me to put in the dollar amount, just cents. 
I did the process AGAIN, same issues. Coinbase does n't ever respond to any of my emails. They are awful. 

This is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The XXXX XXXX account was disputed, and Trans Union shows a cut off deletion date of XXXX XXXX. Trans Union shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Trans Union did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the 7-year rule applies.

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 02-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Confusing or missing disclosures

Complaint: I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank isn't listed in their list of banks. Can't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands. 
In my wallet there is one button that says " withdraw. '' When you click it you are sent to a list of banks. My bank is not there. How do I get my money out? My email with coinbase is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELLING SOURCE, LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They say they ca n't identify me I am who I say I am some one is using my information and ruined my credit perminantly bills etc in my name!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I originally had XXXX private loans through XXXX which were transferred to Navient after the company split. I currently have XXXX remaining with Navient. The current student loan I have with Navient has been active for almost six years but I am still currently paying only the interest on this loan. To be clear, I have paid on this loan for close to six years and I am still not at the point where I am paying the original amount borrowed. They have not helped me when I called about this in the past, nor have they provided me with any sort of reasonable explanation as to why I am stuck with this terrible loan. In fact, I asked the women I spoke to over the phone if my race ( I am XXXX ) had anything to do with this seemingly suspicious loan and her response was " I do n't think so '' which I found for lack of a better word, insane.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Prepaid card (Other special purpose card) with Comerica (OK).
Issue: Fees

Complaint: Oklahoma  Tax Commission giv es state refunds with  a   XXXX   XXXX  . H ad my {$64.00} withdrawn from the card ; had to place two calls  to   XXXX   XXXX   to cancel  the card because the disclosures that accompanied the card said there would be $  XXXX  /month " Inac tivity Fees '' if you did n't use the card. Got a " human '' on my second call to cancel ; the   XXXX   XXXX    representative then said I had a balance due for {$.00} for the two calls I placed to cancel ( this was within  5  minutes of the time I withdrew my money at  XXXX    XXXX    ). I asked her if I would be billed for the {$.00} and she said, " No, your card has been cancelled. '' Called the Oklahoma Tax Commission ; referred back to   XXXX   XXXX   ; tried calling Comerica Bank ( listed on back of card ) and was told, " The card is issued by the Treasury ). If I had n't cancelled the card, evidently I would have received bills for not using it ( and now, will   XXXX   XXXX   report this to a credit report agency? ). What a racket!

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

Complaint: On XX/XX/2017, I received an email from a potential employer stating that they could n't run a background check on me as their background check vendor received the following when using my SSN : " Information provided is registered to XXXX, order can not be completed. No record found at the credit bureau. '' I spent the next 4 hours on the phone with the FCRA Consumer Disclosure Center, the Social Security Administration, XXXX, and, finally, Experian. The SSA and XXXX could find no issues with my SSN and confirmed my birthdate. Experian, however, told me that a creditor had submitted a birthdate change to my record which Experian changed without consulting me. I was told by Experian that I would have to provide proof of my birthdate and SSN and they will rectify the issue in 3 to 5 days. This could potentially impact my getting a job with this employer. I suspect that the creditor that submitted this information had erroneously typed my birthdate. However, it is beyond my understanding that a birthdate change could be submitted to a credit reporting agency and that reporting agency accepted this as fact when, in turn, they require me to prove via documentation that my birthdate was, indeed, the date they originally had on file. Again, this change has impacted my ability to get a job.

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 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I hAve XXXX hard inquiries that I have not done. 
XXXX transunionXXXX XXXXSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is misspelled in my TransUnion credit report. I submitted a dispute form through their website today. The form directs those individuals who wish to correct or change the spelling of their name to contact the creditor who furnished the misspelled name. None of my current creditors have any records with the misspelled name. I have attached a statement to my TransUnion report reporting the misspelling. I have no letter J in my last name.

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 05/19/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The principal on this debt was paid directly to original creditor  Speedy Cash. Balance represents interest and is three times the amount of t he loan.     It is illegal to report pay day loans to credit bureaus in Texas.      XXXX   XXXX  ignored by request to find out if they are licensed to collect in Texas.      XXXX   XXXX  said they have new information on me that confirms the debt, but did not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Payday loan) with 2288984 Ontario Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Informed money key collection agency Third party i believe at XXXX that they were only to be contacting me regarding this balance as XXXX XXXX. They called my references again today XXXX/XXXX/15 regarding my balance. I have told them that I was only able to afford XXXX month XXXX or XXXX begin to be rude and saying that money key did n't give you payment arrangments when they gave you the loan. I do not feel that i should be treated like that was n't disputing that i did n't owe it just could n't afford to pay what that collection agency wanted. Still harassed me and I termnated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is refusing to investigate an account. They claim the account was verified in XX/XX/XXXX but according to my report, the account did not even begin reporting until XXXX. The dispute is in regards to child support that was reported as late but was not late. Child support enforcement misapplied payments to the wrong account but the account never went to collections like the Experian report claims. Child support enforcement states I must dispute with Experian to get the account corrected since it is a closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They told me if I paid settlement amount. Upon receipt they would remove from the credit bureaus. They have not they stated they have not had the time to do it. It has been over 2 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Money transfers (International money transfer) with Remitly, Inc. (KS).
Issue: Money was not available when promised

Complaint: I have Initiated money transfer of {$2900.00} from XXXX to XXXX through Remitly ( Transfer No : XXXX XXXX XXXX XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX Bank account by XXXX XXXX, 2016 XXXX XXXX XXXX ( XXXX XXXX, 2016 XXXX XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late.

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 08-05-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Best Buy / XXXX XXXX have repeatedly fraudulently and with gross misrepresentation challenged a valid credit card dispute for services not rendered and/or provided in a wholly worthless manner. Accordingly this debt is not mine and they should not be allowed to misuse the chargeback dispute resolution process to attempt to collect funds from me I do not owe!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have Navient as my servicer. I contacted them several times in XXXX and XXXX about my payments. I pay {$1000.00} a month and the principal has not budged. When I was connected with a representative, I was abruptly told that there is nothing they can do and everything is as low and it can be. I have been paying since XXXX XXXX and no progress has been made. There has to be something wrong with Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Trouble during payment process

Complaint: First, this is not a live-or-die matter.     I have a mortgage  with Ocwen Financial. I have  always paid on time.   The specific matter here is a payment they say was received on  XXXX  ( a Mond ay ).   XXXX   XXXX   XXXX  , which sent the payment via my online bill payment account, says it was received on  XXXX  ( a Fr iday ). The { $98.00} penalty   Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the  m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid.      Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes  XXXX   XXXX  look like emissaries of  XXXX   XXXX .     Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by  XXXX  and  XXXX   XXXX , I was prompted to speak out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Rewards

Complaint: I had a Citi Thank You Premier credit card which was closed in XXXX XXXX. When it was closed, I still had XXXX ThankYou points that were accumulated but not used. When Citi closed the credit card account, I was told that the ThankYou point account and all the accumulated points would remain active and valid, since I still have a checking and a savings accounts ( both with Citi ) that are linked to this ThankYou account. However, I just noticed that the point balance is now XXXX on XXXX/XXXX/XXXX. I called Citi customer service today and was told that those points have expired because the credit card account was closed more than 60 days ago. Citi failed to inform me of this 60-day window when the credit card account was closed, and now they state that the points are forever gone and can not be brought back. Again, Citi did not provide me with any information on the upcoming point expiration date or ways whatsoever when the credit card account was closed, which is absolutely unacceptable.

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 09-02-2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote to Experian in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Experian and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX of Pennsylvania Bankruptcy Court supporting my position. I asked Experian to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it. They sent me the attached letter stating that they would not investigate my dispute any more unless I sent them proper documentation. I sent them the proper documentation from the BANKRUPTCY COURT!!!!!! That is all the documentation that I need!!!!!! Experian has inaccurate and incorrect information on my credit report that I want REMOVED IMMEDIATELY under the FCRA is information can not be verified or is inaccurate, it MUST be deleted from said credit report.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have hard inquiries on my credit report an i do n't have accounts with none of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This complaint is regarding PayPal. They continue to email me collecting on a debt. I have only used PayPal once and it was over 3-4 years ago and since then I 've used my credit cards directly to pay for any purchases. PayPal is collecting on a {$130.00} debt that they claim I owe but wants me to provide them my birth date and the last XXXX digits of my SSN before divulging to me what the {$130.00} debt represents. I use only XXXX credit cards to make all major purchases and make it a habit to pay it all off when it is due and do not leave any remaining balances. I know that I did not use Pay Pal for any new purchases since 3-4 years ago. I suspect this is a scam to get access to all my personal accounts. I 've called them and asked them to remove me from their call list. But the emails are continuing. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit Systems is continuing to report on my credit for a debt I do not owe and the debt is past the statute of limitations in GA. They are also updating the DLA - Date of Last Activity - erroneously. That date should not update unless the consumer made a payment and I have never made toward this debt. I have been disputing this for some time with no response. 
I do not owe what they say I owe and the debt is past the statute. Someone needs to do something about them updating inaccurately and just ignoring disputes.

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