milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently started to monitor my credit using XXXX which works with Experian. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on XXXX and Experian. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.

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 06-07-2017 about Mortgage (Conventional home mortgage) with Statebridge Company (CA).
Issue: Trouble during payment process

Complaint: Statebridge LLC a pproved a HAMP modification on my property in  XXXX ,  XXXX . During the trial period, which extended from  XXXX  -  XXXX  of  XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by  Statebridge,  beginning  XXXX   XXXX . I made regular on-time payments to  Statebridge th rough  XXXX ,  XXXX , when my loan servicing was transferred to another servicer,  XXXX   XXXX .  <P/> Recently,  XXXX  notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist  ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
<P/>
This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with  XXXX  to correct my payment record, however   XXXX   had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card from Macy 's. Without my consent, they enrolled me in a credit protection program from Citibank in which they will charge my account. I received a letter I was enrolled in the program. They provide a web site for me to cancel. i search the address sevral types and nothing shows up. I have to try to call them to cancel. I am a very busy oerson and I should not be enrolled on programs without my previous consent.

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 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called the creditor and set up a payment plan. I requested that they send me information in writing showing what i owe, and what i paid. They stated they will not send anything in writing ; only a payment reminder for the next upcoming payment. Which is a month away. I stated I needed something in writing for a potential employer and they stated the employer can call them and they would discuss the information via phone, but nothing in writing. I requested it in writing before the 5 business days. 

XXXX Bank : Total Due $ XXXXAccount # : XXXXPayment Plan : {$100.00} XXXX 6 monthsI spoke with XXXX XXXX XXXX XXXX ext XXXX and today XXXX/XXXX/15 and asked to speak to his supervisor XXXX XXXX XXXX XXXX. 

Neither individual will supply with written confirmation on my debt. They payment plan that was set up, initial {$100.00} payment and {$150.00} for 6 months will go over what the total payment is. I can not get a break down summary of what I owe, and what I 've paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with PMAB,LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: Rush card asked we provide information to them to release funds. They told XXXX hours, has merchant release forms, are rude, hangs up in on. Holding out funds where we could not access funding from payroll that 's from our work! Causing us to have late payments and could not access funds during a disaster for shelter or gas to get to work. They give us misinformation and multiple representatives laugh and say it 's nothing we can do you will have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have made a withdraw from Coinbase US over 5.000 Euro on XX/XX/XXXX. The normal transaction time for XXXX Sepa withdraws is 2 days. I have n't received anything until now ( Tuesday, XX/XX/XXXX ). I have tried to contact the support team from Coinbase and finally get the first reply on XX/XX/XXXX. They told me they will investigate on this issue. Another 10 days later I have n't heard anything!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had a complain w/ this company secure billing service the treating me that they gon na sue me and bring me to court and this person name XXXX XXXX and his tel. No XXXX he told me that i have already my name in court and they are so disrespectful and the way he talk. It 's so unprofessional and I 'm complaining this company so that they will say this kind of works to the costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was told that my credit information was safe and secure with Equifax. However, my personal information is at risk due to the recent cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I took out a student loan in 2004 about {$26000.00}. I have been making payments over 20 years and they say I still owe XXXX. I disagree as I have been making monthly payments of {$190.00}. Every time I call and try to find out what is going on I get the run around. I need my password which I do n't remember. To set up a new they have security questions which I do n't remember the answers to. I have all the info to identify myself but they say no they will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with Firstsource Advantage, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have inquiries on my credit file that were not authorized by me. I understant inquireis are placed on your credit report. However, that is only if you authorize as such. During the time these inquiries were placed, I had a credit alert on my file. The credit alert clearly indicates to contact me via phone, which the correct number is on file to verify my identity by showing proof of ID. Despite the failed attempt to verify myself from these companies, my credit was still pushed through without my consent, which caused a hard inquiry that affected my score. What was the purpose of having a credit alert if it would not be enforced? None of these inquiries are associated to any accounts that I have or have had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been paying monthly on my account I got a new credit card and my payments stopped I was told by my bank everything I had coming out directly would continue how my student loan payments stopped. I called in to see what was going on and was told when my card changed I the payments stopped okay I understand that however I fell behind and they told me because I fell behind I would not be able to go back to school. As a collection department they should have called emailed sent some type of letter but they did n't I was informed that I would n't be able to go back to school for another 6 months because they did not do there job and contact me as the manager agreed it was the company fault.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other transaction problem

Complaint: Hello - This complaint is in reference to my account with Coinbase. I have several thousand dollars invested in Bitcoin ( BTC ) via Coinbase. I bought in several months ago, and have done well. 

I attempted to sell off my Bitcoin on XX/XX/XXXX ( at its height, approximately $ XXXX/BTC ).  However, I was prevented from doing so, due to Coinbases horrendous 'identity verification ' system. 

When I try to sell anything over {$5000.00} worth of BTC, Coinbases system requires that I enter various personal information ( name, address, profession, employer, etc ), and then answer several multiple-choice questions related to my past/ID. All of this is apparently checked against whatever ID data they relate to me, so as to verify my identity. 

Well, every time I do this, always entering the correct information, Coinbase claims that my answers are incorrect, or that my ID ca n't be verified, and to try again in one day. I 've been doing this daily since XX/XX/XXXX. 

One thing of note ; on several occasions, the multiple choice quiz included info that is clearly related to my Father, and not me. I am a XXXX, so they may have data that is conflated with my Father 's - in which case, there is no way I can ever be verified, and therefore, can never get my $ out of Coinbase ... 

So, a couple weeks ago, I found that Coinbase could verify my ID via a photo of my Drivers License. So, I did this. And, Coinbase claims that my ID has now been verified via my Drivers License. HOWEVER, it still requires that I do the same ID verification if I want to sell any significant quantity of BTC. So, I have no idea what the issue is. 

I have managed to sell as much BTC as Coinbases system allowed ( approx. {$4500.00} worth ). But, I can not seem to find any way to sell any more, and I have approx. {$10000.00} still locked into their system due to this ID verification issue. 

I have contacted Coinbase, insofar as they are contact-able. I 've used their support system, so far getting only automated, useless responses. I 've searched online for solutions, and it appears that many people have encountered the same or similar issues, none of which can offer any solution but submitting complaint to CFPB and/or legal action ... 

So, any help on this issue would be appreciated - all I want to do is sell my remaining shares of BTC, just to get my $ out of this buggy system. I obviously am quite angry about the fact that I have lost out on significant profits, since I correctly guessed the top of the BTC surge, but was hampered from harvesting those profits by Coinbases horrendous ID verification system.

BTW - My Coinbase account is associated with my email address, and they can find me using that. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XXXX XXXX 2017 I was checking my wife phone when she was on XXXX cause it was n't working right so I call XXXX and the person said I was been hacked so he said he 'll fix it so I let him in to fix it, I did n't know it was a hacker I was talking too, the next day I put money in the bank and I notice all my money was gone in my checking and saving account, I told the bank and went to the police and got a police report show it to the bank I had to between 30-60 days for an answer after 5 weeks the bank told me I would n't get my money back cause I let the hacker in to fix my laptop so I lost {$1300.00}

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 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called ( XXXX ) XXXX to request my XXXX free annual credit report from TransUnion. Today I received a letter that states that " the current mailing address you provided is not listed in our records '' and for that reason I would have to submit XXXX forms of verification of my current address. I am complaining because the last XXXX credit reports that I received from TransUnion were sent to me at my current address, and they DID include my current mailing address in the address history. I 've been at my current address for seven years and I have never requested that my current address removed. TransUnion 's record keeping is shoddy at best.

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 12-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Trouble during payment process

Complaint: Good Day, We were in the process of a deed in lieu of foreclosure on XXXX XXXX XXXX select portfolio servicing contacted us to let us know that our first step would be a walk thru to see the condition of the property.XXXX XXXX we were given written confirmation that we could proceed after we were completely out to contact them so we could be inspected .on XXXX XXXX, XXXX i then contacted XXXX.to let them know we had vacated the property they the replied oh we are so sorry we sent that document out prematurely and you can move back in so we can work out something there is a lien on the property after going back an forth for several months the title was cleared and we began the process again. XXXX XXXX this year we signed our closing deed in lieu at that time we were told nothing else was required from us and that the property did not have to be reinspected because it was done in XXXX XXXX so at this point we would just be notified.On XXXX XXXX i was then informed that we were denied because of a I.R.S. lien that was on the property i contacted the I.R.S. the representive said for me to contact a attorney because someone in the mortage company dropped the ball because the debt had been there since XXXX XXXX i feel we were treated unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Delinquent account

Complaint: Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both, and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX, Capital One, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and XXXX showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX XXXX not offer them all they money they want.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: In XX/XX/XXXX, a debt collector contacted me about a loan that i 'd obtained from speedycash in XX/XX/XXXX when i had a XXXX 's checking account. She first off represented herself as a state attorney and said she was going to prosecute me on fraud charges for taking a loan that i had no intentions of paying back. I tried to explain to her that i had discussed my situation at the time with speedycash and XXXX but she was not trying to hear that. She was very obnoxious, rude and disrupted me every time i would try to speak with her. She specifically told me that if i did not have {$1500.00} dollars by XXXX that she was going to send a XXXX county deputy to my house to pick me up. So in the mist of crying and panicking, i called a lawyer but did not follow through with it because i eventually calmed down. By XXXX exactly a man stating that he was a deputy calling from a XXXX county police department number said that i had only 2 options and that i should not hang up the phone in his face. He said that i could either listen to the lady representing herself as a state attorney or i could come and turn myself in or he was going to come pick me up. That ordeal ended with me calling the lady back and asking her for additional time to pay it which she said i did not have. I was very upset! I explained my whole life situation to those people but they still treated me horriblely. I have also recieved an email from a gentlemen from speedycash on XX/XX/XXXX.  The details of that email will be enclosed below.

Company response to consumer: Closed with explanation