milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/XX/XXXX, I saw virtual currency removed from my Coinbase account. Concerned that I was hacked, I called Coinbase support team. Coinbase team explained that my bank reported insufficient funds, and that I was credited with excess virtual currency as a result. Hence, there was no hacking involved, and that money was removed by Coinbase to account for my checking bank account 's insufficient funds. However, per support team, since I called to inform that I was " hacked '', even if they agreed that I was not, they closed my account and will let their " specialist '' contact me to have it opened again and that " it is not under their hands ''. I have called the support team again multiple times, and was told repeatedly " they can not do anything '' and " wait for the specialist to call you ''. No one has reached out to me since they closed my account, and they refused to open my account for me to gain access to my own money. I am held hostage for being concerned that I was hacked, and up to this point, have no access to my own money because of their refusal to expedite the process claiming " it is out of their hands ''. I do not know what else to do as I have repeated called and emailed them to no avail. They are not giving me access for 20 days now and counting. Please help me get my access and my own money back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I submitted a request for annual credit report via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month XXXX and Equifax have refused to supply the report. 

This has been the pattern for several years now AND XXXX and, particularly Equifax contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV LLC has apparently filed a lawsuit or judgement for the recovery related to an account of which i have no knowledge of. I have had other collection agency 's claim i am responsible and i have repeatedly explained that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: On XXXX/XXXX/2017 CIT Bank file foreclosure against the XXXX whom is still living as to date. CIT Bank claiming the XXXXyear-old homeowner failed to pay his property taxes without giving him any resolution to how he can pay if any back taxes or insurance. Financial Freedom Senior Funding provided the reverse mortgage and has charge the homeowner with insurance that exceeds the amount he able to pay. Therefore, CIT file the foreclosure on behalf of the property taxes and insurance. This is unfair to the homeowner as well as his beneficial. To lose his home for reason stated. We are aware that Financial Freedom has defraud many senior homeowners with wrongful foreclosure in order to file insurance claims just to capitalize these innocents victims.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.

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 02/18/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Wondering how to get historical record of any dispute ( s ) filed pertinent to my having initiated one several years ago with a credit_monitor but not communicated confirmation of progress, that apparently only got swept under-the-carpet until after subscription to said 'protection ' had expired. Belief is also that XXXX. applied a fraud alert which was not released prior to disconnecting service, due to my latter inability to respond correctly to identity proof contests and subsequent loss of all online access to all XXXX scoreless credit reports.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have reached out and disputed with XXXX, transunion, and XXXX about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. 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 06-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WI).
Issue: Trouble during payment process

Complaint: I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I  called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX  attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.

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 Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Received a " welcome '' package from  Wells Fargo - here 's your information on your new account, complete with account number, debit card, application with personal data. The info states that by taking any action, including an inquiry, the account is deemed active. Tried calling Wells Fargo about this but they would not speak with us without an account number. We did not give ac count number and they hung up on us. Today, we received the PIN for the debit card.

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 01-10-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: THE ONE TIME ANNUAL CREDIT REPORT WEB-SITE IS NOT WORKING. IT WILL NOT ALLOW YOU TO FINISH TYPING IN YOUR INFORMATION, BEFORE IT FLIPS YOU AWAY. WHY WE CAN NOT GET OUR ANNUAL CREDIT REPORT ONLINE, ESPECIALLY WITH EQUIFAX, WHO DOES NOT REMOVE NEGATIVE INFORMATION AND ADDRESSES, THAT I KNOW NOTHING ABOUT.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We submitted a complaint about Green Tree Mortgage taking a payment and misapplying it incorrectly and then charging us for late fees and not remedying the situation after we wrote numerous letters. We have NEVER missed a single payment. Green Tree also took out insurance and charged us for it, even though our association has insurance for common areas. We provided the policy, but they continue to charge us for their policy and not refund the money they took from us. They have also raised the payment monthly and then add horrendous late fees even though they get and cash each of our checks. We have been harassed by them since they took over the loan and inappropriately handled our escrow. We can not get this rectified. They are unreasonable and refuse to actually answer the problem, even though they write lots of letters telling us what they did, but not how they cured the problem they created. We filed a complaint previously, but we have seen no relief. Our credit situation is deteriorating. Also, Green Tree refused to modify the loan to a reasonable % -- why should they if they can get nearly 7 % from us? That is their thinking. I am going to be XXXX and my wife is unemployed. This situation has been very difficult for us. We hope you can help. 
Thank you very much. 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had fraudulent charges on my card. After receiving notification that I had payment due I reviewed my statement and found that my card was missing and had been used in florida. I contacted Capital One, the card issuer and notified them on XXXX/XXXX/15. After not receiving a provisional credit back to my account I contacted CFPB to make a complaint. Capital one then reached out to me and said that to go any further with my case that I would HAVE to file a police report, and that this was because I had made a complaint in the first place and that my case had been escalated to management. After research I found that this is against regulation E to require a police report. Bottom line - I did n't make the charges, they should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have been harassed by the collection company called Pressler & Pressler. I am a retired and XXXX person whos only income comes from my XXXX XXXX XXXX and XXXX XXXX XXXX. My checks were not direct deposited, therefore my bank allowed my account to try to be levied by Pressler and Pressler in XXXX XXXX. Funds were frozen, but I provided documentation as proof of my income and the levy was lifted. My funds were returned and notes were taken so this matter would not surface again. Since then, and as of today XXXX/XXXX/XXXX I have been receiving phone calls from Pressler and Pressler asking if I can make monthly payments. I explained to them that my income is exempt and that I am on a fixed budget at the moment. I also offered to settle both accounts ( I have two with them ) and offered an amount, which they did not accept. I am a XXXX person and these calls are disrupting me. I would like for Pressler and Pressler to cease and desist. I need them to stop calling my house. Any help in this matter will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: ON XXXX/XXXX/2016 CHASE VISA XXXX XXXX XXXX XXXX IMPROPERLY CHARGED XXXX XXXX {$19.00} ( XXXX ). 
THERE IS NO LEGITIMATE BASIS FOR THIS CHARGE. XXXX XXXX NEVER AUTHORIZED XXXX TO CHARGE HIM ANYTHING. EFFORTS FAILED TO GET XXXX TO CEASE AND DESIST. 
XXXX XXXX XXXX BACK {$19.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Sale XXXX {$19.00} Print XXXX, WA XXXX US Online, Mail, or Telephone transaction Rewards earnedXXXX+ 1 % ( XXXX Pt ) / {$1.00} earned on all purchases XXXX Total rewards XXXX Points

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No knowledge of this debt. Never received notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (WA).
Issue: Unexpected or other fees

Complaint: I woke on  XX/XX/XXXX  to a text message from  Net Spend   XXXX   XXXX   detailing there is a problem with my debit card, please call before using the debit car d. Two  and a half hours prior to this text the monthly {$5.00} fee for  my Elite a ccount benefits  (  overdraft, cahs back, ect. ) was deducted from my account. I called and was notified that my account had been closed due to the other name on the account being deceased. I had reported  XXXX   XXXX  deceased the first time in Fall of  XXXX , and have repeatedly requested the removal of his name over the past 3 years. Each time I was told " It is ok, do not worry, but we can not remove his name. Just ignore it. '' I did, but now I am cut off from my money. I am being told that I must purchase a new card at my own expense, wait the month long waiting period for my account benefits to be reinstated, and the 7 years of customer history is now gone. My money is still in the closed account, and I am not being offered a way to get the money other than a check in 14 days. My auto-pay for my rent is du e in four days,  infact all my auto-pay bills are due on the  XXXX  of each an every month. I was not provided any warning to prepare for this closure, and now I could face eviction due to my rent being stuck on this card. I do n't have the cash on me to purchase a new debit card. I asked about sighning up for one online, and was told no. I was told that I must purchas e one in a ch eck cashing store at my own expense. I asked about transfering the funds to my  XXXX  College debit card that is still active, and they refused. I am told simply, " We have closed the account due to the deceased person on the account, and we will not be able to rectify this problem in any way, shape, or form. '' After two and a half hours I was hung up on by the company. The account is also locked online and I have no access to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KY).
Issue: Taking out the loan or lease

Complaint: Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. 

After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. 

Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. 

Copies of the contract and correction letter are attached to this complaint.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both   XXXX   and Equifax have been unfairly intransigent, while   XXXX   has increased my credit score to " Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported for up  to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that were  discharged  can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each  discharged  debt as : having a   XXXX   balance, anddischarged, included in bankruptcy, or similar language.     While the FCRA does  not directly address how individual discharged debts must be reported, to report a discharged debt as something else ( for example, " charged off '' or having a balance as more than zero ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 )  ( A ).

Company response to consumer: Closed with explanation