milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Fraud or scam

Complaint: I have had a Coinbase account since 2012 to store my bitcoins in. I have my verified email and correct password, but since i have not accessed my account since then, I am unable to log in to manage my funds. This is because i had a different cell phone number then and it is used to verify myself when logging in with a text message. There is supposed to be a method to have the company Coinbase change my phone number, but they are completely unresponsive to my attempts to do this. I verified my identity when I created my coinbase, and this should be a very simple process to update my phone number and be able to log in. It has now been over 6 months of me trying to contact the company to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive at least six calls a day from automated number XXXX. Yes I owe the money and yes I told them when I would pay it. this is an automated system and live operators. One call and I let them know I would take care of the bill it is only 2 wks past due - balance is small and will be paid by the end of month. I have asked them to quit calling me all day long and they said it 's in the computer and they ca n't change it. Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Settlement process and costs

Complaint: I inquired at US Bank, XXXX XXXX XXXX XXXX. in XXXX XXXX, Ca. about a H.E.L.O.C loan. I was informed by the branch mgr. XXXX XXXX I could get the loan At 3.75 % int. for 10 yrs. with free checking. No min. balance or monthly service charge on the account. Also the checking account was optional. If I decided I did not want the checking account the interest rate would then be 4 %. No annual fee on the loan no matter what. 
At the closing of the loan ( a different mgr. ) I was informed that without opening a checking account my interest rate would be 4.25 % with a {$90.00} annual fee on the loan. If I opened the checking account there would be no annual fee provided I maintained a daily balance of {$2500.00} in the checking account or pay a monthly service charge of {$20.00} per. month At this point we decided we could not trust anything US Bank said so we opted out. I feel we were purposely misled and wasted many weeks in applying for the loan. I really think that they feel you have so much time and energy into the loan that you will just sign and not walk away. They ( USB ) should not be allowed in engage in these deceptive practices. Thank you.

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 04-12-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: AmSher Collection Services is erroneously reporting to the consumer credit reporting agencies ( i.e. XXXX, XXXX ) that I have an account in collection regarding XXXX. 

I have had several debt collection agencies call about this, including one in Alabama claiming to be from the " XXXX XXXX XXXX XXXX XXXX. '' Apparently this is some skeezy law firm connected with AmSher. I explained to the collector there, I was XXXX XXXX military and assigned to a XXXX in XXXX. I discontinued service with XXXX at that point. I received a {$0.00} balance letter from them. I switched carriers. Somehow, some way, XXXX sent a " debt '' for collection. 

I have also talked to AmSher and explained the same. I checked my credit reports and I don't see the item having been removed, or even so much as AmSher reporting the account " disputed, '' which, when I talked to a consumer rights attorney, said that alone violated the FDCPA. When I spoke with AmSher, they told me a needed a confirmation number for payment to XXXX. I contacted XXXX AGAIN to verify the {$0.00} balance with a confirmation number. They, ONCE AGAIN, verified that I owed them nothing. I passed this number along to Amsher who then refused to accept this fact and continued to report the debt to my credit. I have done everything in my power and more to get this situation fixed and Amsher is simply refusing to do what's right. They are obviously not doing their part to verify the debt with each of my disputes, and that is not ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to receive repeatedly phone calls a day from these credit card companies below JP MORGAN CHASE CALLED XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I closed my Capital One credit card account in XX/XX/XXXX At that time, myXX/XX/XXXX payment was already scheduled. At the time of my account being closed, my account was on Autopay.  After my account was closed a month, the autopay was no longer in effect. I believe that Capital One cancelled it when my account was closed. No payment was drafted in XXXX or XXXX. Because of this many large late fees piled up on the account, starting in XXXX, XXXX and XXXX, causing my amount due to balloon. Capital One called me in late XX/XX/XXXXto discuss my overdue account, which was the first hint that I had this account was overdue. I signed back up for autopay in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX people are XXXX and XXXX you like a dog. I started trying to communicate with XXXX. My credit limit was XXXX. Why is it XXXX?? No one wants to tell me. I am willing to pay my credit limit as an in full payment and am told no. I am also threatened with legal action and XXXX has sent v this to an attorney. The attorney says that in order to settle for just my credit limit that XXXX wants my income, my bank information, my utility information, my drivers license number etc ... information they are not going to get nor are they entitled to get this info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I deposited my payroll check into my account on Friday XXXX/XXXX/16. They released {$200.00} and placed a hold on the rest until XXXX/XXXX/16. I called and asked if they could speed up the process. I have bills to pay and they flat out said no. They said I had too many overdrafts. I said I was n't even signed up for overdraft. They made a huge excuse that the government made changes to protect me and what not. I got paid on XXXX/XXXX/16 again and it was placed on hold yet again for another two weeks. I can not believe this. I 'm falling behind on everything and it 's my payroll check not a personal check. I need my money now. I have XXXX and I need to buy diapers and food.

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 02/14/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Struggling to pay mortgage

Complaint: We are hoping for assistance to get us back on track with our mortgage. This year has been very tough, starting with a reduction in hours, and then losing my job. With both XXXX and I unemployed, it became very difficult to support our family of XXXX. It was hard but we did our best to keep paying on time but once we were behind, it snowballed. 

We contacted our bank, Wells Fargo, who gave us a list of documents we needed to provide to prove we qualified for help. We sent everything, but when we called, they said they never received it. So we sent it again, hopeful we were on track. This time they said they had gotten it, but it was too late to meet a deadline we didnt know existed! It was strange that the first application that was sent before the deadline was, of course, lost.

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 10/24/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Sending info slowly want to resolve the issue better

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 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My wife and I signed up for a chase sapphire card. I purchased a {$3000.00} mountain bike with no problem, I then called the bank with some questions. Afterwards I attempted to purchase a {$1.00} hot dog at a gas station and the card was declined. Shortly after, the bank fraud department contacted my wife and were very aggressive. They stated that since I had a  XXXX  name, and she had an American name, they thought that I was a fraud, even though we had another credit card with them for over a year. They were claiming that they were protecting the bank and the customer against unauthorized purchases. I complained several times for months and my complain fell on deaf ears. Just a couple of days ago I went into the bank to close my account and the teller filed a new complain, but the complain seemed to be registered as coming from my wife and not myself and suddenly she get a call from the bank stating that they are investigating. So I, a  XXXX  male complains for months and no one cares and then a complain is resisted as coming from a white female and they quickly make a call stating that they are investigating. Also, if they were protecting the bank and the card holder against fraud like they claim, why not decline my $  XXXX  purchase rather than a {$1.00} hot dog? They broke the law as they declined me credit based on my nationality and national origin. Denying me credit that I 'm entitled to based on my national origin is unlawful and I will sue this bank in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Other mortgage) with Statebridge Company (NJ).
Issue: Settlement process and costs

Complaint: We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 XXXX XXXX believes that XXXX XXXX XXXX has no choice but to delete the account currently posted on my Equifax Report, and that Equifax missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but XXXX XXXX XXXX cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by Equifax as the statement posted by XXXX XXXX XXXX shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This issue with this response from Transunion is that they 've already removed partial hard inquiries that were affected by the glitch, they just did n't remove all of them as requested. You ca n't refuse or request documentation when you 've already removed some of them when I placed the phone call with you. Please remove ALL inquiries affected by the glitch! 

-- -- TRANSUNION 'S RESPONSE TO FIRST REQUEST -- Should you have documentary proof that shows you were in fact impacted by this issue, please submit the documentation via mail to XXXX. XXXX XXXX, XXXX, PA XXXX. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your 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 05-03-2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Arbitration

Complaint: On XXXX XXXX 2015 we ordered a hoover board through Amazon. Several weeks later Amazon sent a email pertaining to the safety of the boards and at that time we attempted to stop the shipment. As it was already in transit, they could n't stop it. When it was delivered by XXXX we refused the shipment and the same tracking number was used to send it back. Last known location was XXXX. We notified Chase who handles Amazon.com rewards Visa to have the charge removed from the card. We are now in a battle between Amazon and Chase as to who is responsible to make good on the return. 
The third party, XXXX out of XXXX XXXX acknowledged that the item was in transit to them but has refused to acknowledge that it was received. 
As it stands now, Chase is saying that we will have to pay the {$270.00} and Amazon is saying its not their problem. At this time, we have not paid the credit card bill. 
Any help you can give us would be greatly appreciated. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing/Cancelling account

Complaint: Bank of America charging interest rates even though account was paid off and closed. They keep charging interest payments and seem to not close account even though I have called numerous times.

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 08/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I paid {$15000.00} in XXXX 2007 when I had a XXXX loan. My student loan was {$11000.00} that I owed. Then I lost my job. My student loan is now almost 4 times that amount now. I had XXXX XXXX then XXXX XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: Contacted by XXXX XXXX stating they can help me get 0 % balance transfer for 12 months and if I pay on time they would continue to renew the 0 % every 12 months until I paid off the credit card. I ask them to put it in writing on company or credit card letterhead. Instead they sent me an Email, and when I call them back and told them this was unacceptable, they started the process without my approval. Capital One issued a credit card and stated the balance transfers were for 3 months only. I was not aware that the company applied for the card and I decided not to activate the credit card. I contacted Capital One to get an understanding and concluded they could care less. They became disrespectful, so I told them that I did not want the card, please clear the credit information on my credit report, and they told me that they will report it as a closed account ( which will lower your credit score ) even though the account was never activated. This is wrong, but they did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian and XXXX data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have started to receive repeated phone calls from unknown numbers with area codes from around the country including Colorado, Florida, and Pennsylvania. No message has ever been left. I looked up one of the numbers and found that it was associated with Portfolio Revovery Associates, which I had never heard about. I dont owe any debt to them. Here is a list of the most recent calls with the phone number : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX and XXXX : the XXXX area code number XXXX and XXXX : XXXX XXXX : XXXX XXXX : XXXX There were more calls than this, but thats all of the calls that my phone history shows.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The company has the debt on my credit report as well as my twin brothers credit report. They think we I am Using an alias. The debt is not mines or his. The company wants us to pay them {$410.00} for the debt. It was first reported on my account when I noticed I was a victim of identity theft in XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Managing the loan or lease

Complaint: I signed up with a company called Big Picture Loans at https : //www.bigpictureloans.com/. I agreed to a loan of XXXX with a monthly payment of XXXX dollars. My first payment was deducted from my checking account as agreed but now the loan company is asking for an additional payment of XXXX every two weeks rather than monthly. I can not pay that amount every two weeks and ask assistance in negociating with Big Picture Loans in accepting a monthly payment of XXXX until i should pay the loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 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 is missing that should be on the report

Complaint: It seems that my credit score is predetermined. Whether I pay my bills on time, pay off old accounts or rebuild my credit. My score has not been what it should be according to similar credit patterns. I have not been treated, or dealt with fairly.

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