milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I have wired {$5000.00} USD to XXXX to make a deposit on XX/XX/XXXXXXXX XXXX, 2018. I have received confirmation from my bank at XXXX XXXX XXXX that the amount has left my account and sent to the recipient 's bank account at XXXX XXXX XXXX. XXXX claims the deposit should be credited to my XXXX account within 2-3 hours ... Coinbase claims it should be credited within 3-5 business days. However, I deposited to my XXXX account and regardless, it 's been over 3 business days. I have filed a support ticket with no response for 3 days, and have filed an escalation to no response as well. I have not received any reply from the parent company Coinbase or XXXX regarding this. A wire reversal has not even been issued. I just want my money back now. 

XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( TransUnion, XXXX, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( TransUnion, XXXX, and XXXX ) I also asked XXXX to correct errors and they failed to do so.

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 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my 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 non-monetary relief
Consumer complaint received 10-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MD).
Issue: Problems when you are unable to pay

Complaint: My husband XXXX, sudden departed this life on XXXX XXXX, 2016, He is the primary holder, I am the co-maker on the contract but not on the title. Since his death I have faced a problem with register the car because his name is the only one on the title. Is there something that can be done. My husband 's daughter has opened an estate without contacting the creditor of his death to my understanding. The payments are so far behind because I have lost his income as a result of this sudden death of a XXXX. I want to know if the title being in his name only was an illegal act, and how can the auto financing company give me relief. 
If the estate does not cure his debts and I was a homemaker what will happen to the debts now that my husband is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I ordered a table top game from XXXX and the person never sent the English version of the rules and charts that he promised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was forclosed on my home and I did not get the support from HARP and I had several XXXX party agencies helping me. I had the home up for short sale for a year with a buyer at the onset of the foreclosure notice and the bank ignored it and gave me the run around. The home was foreclosed on and HARP did not compensate me with relocation funds and ignored all faxing and documentation that I complied to. This situation was an unlawful and harmful situation not only to my self ( now XXXX and mental strain caused by the situation at the time. my credit is distroyed )

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX DELAWARE Made a new TransUnion Hard Inquiry to my account without my permission. For that reason I now have XXXX inquiries from that company, XXXX legit and XXXX that is not. The first XXXX XX/XX/XXXX is totally legit because this is when I requested the card from them. The second XXXX XX/XX/XXXX should not be here because I did not changed or requested any other credit card or similar from them. I tried contacting the Bank support and they would not help me take care of the negative inquiry reporting because they said it was not possible through the phone and needed to involve the Credit Bureau on this. So, I also called Transunion and they suggested that if the bank is not being helpful, that I should file a complaint on the Consumer Financial Protection Bureau. In conclusion, that last Hard Inquiry should not be there and it should be removed in a quick and easy manner.

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 01/17/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Deposits and withdrawals

Complaint: At XXXX point in my life, I was married. My spouse and I got a divorce that finalized in XXXX. While married, my spouse and I had a joint bank account with Wachovia ( Which is now a XXXX Account ). The account was originally started by myself, in XXXX, but I added her to the account after marriage in case of emergencies. After our divorce, Wells Fargo would not allow either myself or my ex-wife off of the account without both of us being present. I asked about it in person, she later requested in after Wells Fargo almost deposited her pay check into my bank account. I was told that we both had to be present, which seems impossible since we live over XXXX miles apart now. 

A couple of days ago, my ex-wife made some bank transactions to pay bills, and wells fargo took the money from my bank account. I had spoken with my ex-wife about it, I am not sure how honest she is being, but she claimed that she tried to leave the bank account, but was well aware that we were still joined on the account ( Despite her last name being completely different now ), and that she tried to leave the account after they almost deposited her paycheck into my account, but they would not allow her to do so. 

The bank is not allowing me to dispute the transaction at all, despite the fact that my ex wife has a completely different last name, we are n't married anymore, and it appears as even if I continue to bank with them ( Which is unlikely to happen ) that we will always be automatically linked to the original account in some way shape or form. As a result, I feel as though they are trapping me, and or refusing to resolve a simple problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax has taken longer than 30 days to respond to our request for an investigation. We mailed a letter to the almost two months ago, asking them to correct errors on our credit report. We have yet to receive a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, unauthorized charges at XXXX appeared on my checking account at JPMorgan Chase. The amounts were for XXXX, XXXX and XXXX. I immediately disputed the charges. My account was closed and the claim was submitted. On XX/XX/XXXX, Chase sent me an electronic letter informing me that the charges were denied and I would be responsible for the all the charges. They told me that since a debit card was used and a pin was entered, that I did not protect my card and that I was responsible for all the charges. My account is now overdrawn, closed and I am in the negative for nearly 1k of charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (DE).
Issue: Managing the loan or lease

Complaint: In XXXX of 2015, I ( my son ) returned a Buick Enclave that i had leased in XXXX, Delaware at XXXX XXXX XXXX. Ally Financial was the banking organization utilized by the Dealership. 
The lease had expired in XXXX 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due. 
Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared to be negotiable. The total charge, including repair of the scratch amounts to {$780.00}. 
I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership. 
The basis for the outstanding payment charge varied with respect to whom I spoke. XXXX claimed that the charge was for XXXX despite the car being returned in XXXX. The cost of the repair however, appeared to be open for discussion on their part-but not mine! 
All remained quiet until this XXXX when correspondence started to appear demanding the {$780.00}, with the standard threats of notification of the XXXX credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak. 
Finally, ALL Ally personnel refuse to discuss the issue with the XXXX XXXX XXXX for reasons they will not reveal. 
It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and XXXX XXXX XXXX agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim

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 12-03-2015 about Debt collection (Medical) with RSI Enterprises, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: did received a payment notice from collecting agency RSI ENTERPRISE, INC for the amount of {$110.00} due for service non received at XXXX Texas to clarify that XXXX XXXX XXXX XXXX is Under investigation for insurance fraud .complain filed by myself to Texas XXXX pratics askin RSI stay out of my life till the above is resolved also a letter of complain XXXX was filed XX/XX/XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with AmeriPay Corporation (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatening to take the debtor to jail.

Company response to consumer: Untimely response
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX has a 30 day late in XXXX that should have been removed by now. XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now. XXXX, XXXX, and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long.

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 08/23/2016 about Debt collection (I do not know) with Rent Recovery Solutions (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: Rent recovery calls me multiple times a day I spoke with them advised them I 'm sending the letter back to dispute the amount and gave them my lawyer information. They called me back XXXX he later and said they never called she check the information and realized they did..this is constant..I see the number XXXX4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by this company. They said I had XXXX counts of check fraud against me and would be taken to court and I needed to call. I knew it was a scam but called anyway just in case. Long story short, I was told I had a loan for {$500.00} between XXXX and XXXX and when they went to take it from my account they could n't for whatever reason, so they tried to charge my now closed XXXX account, which I closed a couple months ago, and they could n't charge it since it was closed. I said I wanted documentation of this. They did n't tell me what company I got this loan from of course, just said the sub-lender was XXXX XXXX, who I found was a for sure scam after looking them up. They wanted me to pay {$770.00} which included the {$500.00}, {$70.00} insufficient funds fee, and {$200.00} to have my case dismissed. She later added a {$2800.00} tax lien. I said no, I want paperwork. I was abruptly transferred to a man who did n't ask for any information, just said the only documentation you will get is a subpoena. Your check was deemed worthless XXXX/XXXX/XXXX ... and I stopped him there. That 's not the date I was given. He said that 's not my problem I 'm a paralegal and you ca n't see our documentation until discovery.You broke the law and if the rep gave you wrong information that 's not my problem, my only job is to collect, I do n't care about anything else. I kept trying to get a word in but he talked over me. I just kept saying, this is all nice but you are now telling me a different story. Before I could even finish that sentence, he put me on hold for over a minute so I hung up. 100 % scam, I did n't have XXXX back in XXXX anyway. They left voice mails for me on my phone and my friend 's phone, so that really made me angry. The voice mail indicated I was being summoned for XXXX counts of check fraud and it was filed XXXX/XXXX/XXXX and I need to pay. She read off the last XXXX of my social, my name, DOB, and current address. The " paralegal '' said I got an email about whatever debt in XXXX and he read off my email address. ( no such email ) Just did n't appreciate how bold they were. I spoke with a XXXX or XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The man never gave his name.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Bank account or service ((CD) Certificate of deposit) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland credit collection went into my bank account and stole funds from my account for a bogus credit card account that was paid off in XXXX with which I have a copy of my credit report stating that fact with XXXX lates reviewed for 48 months. Midland credit took XXXX unauthorized on an account that was paid off. I first contacted the company on XXXX/XXXX/XXXX. It took so long because of everything that was going on I did not utilize credit. When I realized who the companies were that fraudulently took funds out of my account I began to call them. Midland credit despite having no outstanding account admitted to taking the funds. I faxed over a police report as per their request when really I did n't have to because this is an unauthorized charge that was well over XXXX years old. In speaking to the supervisor, he told me that the police report I obtained from the XXXX RI police Department was not a real police report. Wow, I could n't believe my ears and the fact that they are going to these lengths not to pay back funds taken without my permission on an account that i did n't owe anything on. On XXXX/XXXX/XXXX when I called, I was told they had no documentation. On XXXX when I called, I was all of a sudden told they had documentation. I told them I wanted to hear or see where I authorized this charge. That is the bottom line it was not authorized by the account holder and they decided to help themselves and go in and take funds that were not even owed to them. The supervisor told me he was waiting for the manager in XXXX XXXX to get back to him.

Company response to consumer: Closed with non-monetary relief