milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (CA).
Issue: Other transaction problem

Complaint: On XX/XX/2017, I sent XXXX XXXX an email about sending Bitcoin Cash ( BCH ) to a Bitcoin address ( BTC ). 

I thought I was sending to a BCH address but it was a BTC address all along. Usually when these things happen, the company has access to the private key of the address. I emailed XXXX and asked if they had access to retrieving my funds and they confirmed that they could, but it would take a " maximum of 90 days. '' I waited 90 days, then 100, then 130, all the while emailing them and asking them the status of my retrieval. They have given me excuse after excuse as to why they haven't found the time ( this retrieval would honestly take 5 minutes using even a mildly competent developer ).

It has now been about 200 days since I've first opened my support ticket. I've sent over 50 emails to them, they've responded to many. But it's now been 30 days since I emailed them asking about my funds and they have since stopped responding completely.

The total value of these funds were at one point XXXX. They have now dropped to about XXXX. I'm fine with that but I just want my funds back. This is ridiculous. 

This situation has brought me to tears because these funds could completely eliminate my student loan debt - I've told them - and they are non-compliant with my request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Payday loan debt) with BlueChip Financial (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Savings account) with PNC Bank N.A. (DE).
Issue: Account opening, closing, or management

Complaint: I get XXXX and get a monthly stipend around XXXX and I have the Prepaid card that is only a direct deposit way of funding my account. I tried to get another account privately and because I live in DE they would not open an savings account. There is a PNC Bank right down the street from me, XXXX I can walk to it to save bus fare and I tried too open a savings account and because of what XXXX said on it 's report PNC would n't open account. There are other banks but not that close, I like to do everything online and use less stamps to mail something when we have email. It has been three months since I asked for an appeal from XXXX or show me where they made the decision. I feel I will be embarrassed at every financial institution and because of that I have not tried other banks but when I hear a response from you guys I will do nothing. Please talk to PNC or XXXX and tell me why they said no. Thank you for your time.

Company response to consumer: Closed
Consumer complaint received 04-11-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is frustrating the purpose of the XXXX XXXX Initiative and violating publicpolicy because they are refusing to remove a Withdrawn XXXX tax lien from my creditreport. 
Under the XXXX XXXX Initiative, XXXX if consumers pay their liens in full and the XXXXgrants a consumer a " Withdrawal of Filed Notice of Federal Tax Lien After Release '', CreditReporting Agencies are expected to delete the lien from consumer credit reports to provideconsumers with a fresh start. The new public policy was confirmed by all XXXX credit reportingagencies and their trade organization, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, Vice President of Public Affairs for the XXXX, " I'veconfirmed that all three credit reporting agencies remove withdrawn XXXX tax XXXX. '' XXXX XXXX XXXX, XX/XX/2013, I obtained a Withdrawal of Filed Notice of Federal Tax Lien AfterRelease, and submitted the notice to XXXX, XXXX XXXX, and Equifax. See Exhibit A. XXXX and XXXX immediately deleted the federal tax lien from my credit reports. SeeExhibit B. Equifax however ignored the notice, refused to delete the lien, and determined thatthe lien would be reported as released and remain in my credit file for up to XXXX years. SeeExhibit C. 
In sum, Equifax is violating public policy and frustrating the purpose of the XXXX XXXX Initiative by refusing to delete the withdrawn XXXX tax lien from my credit report. Thankyou for taking this matter under consideration. Please let me know if you need additionaldocumentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Account status incorrect

Complaint: the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.

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 04-02-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (MO).
Issue: Incorrect information on your report

Complaint: I filed chapter XXXX back in XX/XX/XXXX and was told by my attorney that i may have to hound our mortgage company about reporting to credit bureaus after a year has gone by, so in XX/XX/XXXX we called the mortgage company and asked them to start reporting and they said we need to send a request, which we did on XX/XX/XXXX, then a phone call from them days later about due payment we asked about our request and was told its company policy not to report as of XX/XX/XXXX a policy they have. We think its unfair to us, we are trying to rebuild our credit and them not reporting is holding us back, they said its looking out for their interest. We called out attorney today XX/XX/XXXX and asked him about it and said they cant be forced by him but we could hound them and possibly they would start reporting so we faxed another request to them today XX/XX/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 non-monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are 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/ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!

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 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: For at least 6 months I have been trying to get a loan modification with SLS. It has been a very stressful situation as I keep getting asked for the same documentation over and over again. I have a foreclosure pending for XX/XX/XXXX and the fact that SLS has not postponed it is endemic of the problems I have endured with them to come to some resolution. What follows is a list of my contact with SLS ' representatives since XX/XX/XXXX : 1 ) XX/XX/2017- I spoke with " XXXX? '' SLS needs my son 's pay stubs. ; 2 ) XX/XX/2017 - I fax son 's pay stubs ; 3 ) XX/XX/2017 - I spoke with " XXXX '' at SLS, she claimed no record of son 's pay stubs ; 4 ) XX/XX/2017 - I spoke with " XXXX '' at SLS states that they have received my son 's pay stubs ; 5 ) XX/XX/2017- I called SLS and asked for " XXXX '' about a letter that I received from SLS on XX/XX/2017. XXXX later returned my phone and indicated that now I needed proof of residency for my son ; XX/XX/2017- I faxed to SLS XXXX of my son 's pay stubs, his driver 's license and XXXX form ; XX/XX/2017 - Spoke with XXXX at SLS and she confirmed that the documents that I faxed on XX/XX/2017 were received by SLS. My loan modification application is on review. 
XX/XX/2017 - XXXX at SLS called asking for son 's last XXXX pay stubs ; XX/XX/2017 - I faxed my son 's pay stubs per XXXX request of the day before ; XX/XX/2017 - I called SLS to check on the loan modification, I was told that I had a new point of contact " XXXX ''. The application was on review ; XX/XX/2017 - Spoke with XXXX at SLS - She indicated that review on modification takes 30 days ; XX/XX/2017 - Received several calls from SLS to my home and cell phones while I was at work. I later returned the message and spoke with a " XXXX '' at SLS. XXXX now wanted that I send a new Social Security award letter, XXXX recent bank statements showing a child support deposit ; food stamps letter. She also said that I should send a new modification application ; XX/XX/2017 - I spoke with " XXXX '' at SLS for a status. She said that my documents were received on XX/XX/2017, but I believe were not uploaded until XX/XX/2017. 
XX/XX/2017 - I received, incredibly, a letter form SLS, dated XX/XX/2017 ( attached ), that my application for " assistance '' is denied because my request ( presumably the application that I was instructed to submit by SLS ) was received too close to the pending foreclosure date. 
I think is unfair for SLS to continue the process of foreclosure based on the above facts. I have done everything asked and provided to SLS whatever document requested despite my duplication of effort.

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 04-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I RECEIVED A LETTER FROM AMEX DATED XXXX/XXXX/2016 ADVISING ME THAT A 3RD PARTY AMEX USED CHANGED MY SSN WITHOUT CONTACT INGTING ME AT ALL? HOW CAN A 3RD PARTY LIKE XXXX BE AUTHORIZED TO CHANGE A SSN WITHOUT THE PARTY 'S KNOWLEDGE, AND ON TOP OF THAT THEY GAVE AMEX A WRONG SSN??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax makes it extremely difficult to retrieve your credit report online or to complete the process online when it is due to you for free. However, they allow your to have access to credit report online if you are willing to pay a fee of {$15.00}. They have been oprating this way for at least the last 4 years and this is the first time I have made an attempt to report this behavior. The last I needed to access my credit report immediately was 4 years ago and I could not retrieve it for free through ( XXXX ) without mailing in a verification document. When I elected to pay, no verification was ever requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Wrongdoing Party : CHASE CEO/President : XXXX XXXX Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mail stop : XXXX I opened an Amazon.com VISA ( CHASE ) approximately XXXX, 2016. The credit card no longer works, and phone calls with CHASE proved to be useless. CHASE does not have any record of the account, any record of my name, and any other records related to the account. CHASE did NOT notify me in any way that the card was being cancelled since it was originally issued. CHASE will do nothing to reissue or replace the card. This is as a minimum unethical business practices and possibly even breech of contract. There was also no other correspendence with CHASE other than a bill for a text book. <P/>Please order CHASE to issue a new card, and order then to pay {$400.00} for damages expended to date to resolve this problem. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My Bank of America account was charged a {$35.00} fee on XXXX XXXX 2017 for an overdraft of {$170.00} on the same date which brought my account to a negative balance of - {$210.00}. On XXXX XXXX 2017 the account was still overdrawn for that amount when I came in as I always do to cash my paycheck of {$710.00}, expecting to pay off the negative balance and take the rest out in cash, but the representative told me she would be unable to cash my check. I explained that this is unusual and asked why and she replied that it was the system not allowing me to cash the check. The best she could do was give me {$200.00} of my check. I said no thank you I will go cash it else where out of frustration for no being able to have access to my money as I needed the funds so I choose to the other local branch just down the street.Unfortunately it was just closing but I had the opportunity to speak with a representative who said the end of the business day was XXXX XXXX for those ATM at the branch, so if I did not want to incur an other {$35.00} extended overdraft fee I could still deposit my paycheck which was important to me as well. So I chose to deposit the check and had then expected to be allowed to use {$200.00} of my check deposit and instead falsely stated I had {$300.00} available now of which $ {$60.00} was the only amount I managed to withdraw. When went online to get a better idea of what was going on since the receipt would not show my available balance and why the bank held funds that are usually treated as cash I found nothing to justify it. The only transactions at the time was the same as it I was required to pay as I did on the XXXX of XXXX 2017, and could have been deducted immediately after deposit my check via ATM or even by phone as long as it was before XXXX that day. My online Bank of America account stated on XXXX XXXX 2017 a deposit for {$710.00} was made of which {$300.00} was availble now and {$410.00} was being held as credit pending to cover items posted on the XXXX XXXX 2017. The account reflected a {$300.00} credit to my account which should have been avail now and was not. I believe I should have been able to cash my paycheck as always. After bringing the account out of negative status should I have received the remaining portion of my check ( {$490.00} ) if there was nothing else that could have been pending at that time as there was no existing transactions or any type of authorizations from the time of the overdraft date and had no reason to prompt such a hold.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX XXXX ( XXXX ) They 've taken it off my report and re added it before investigation was done, and took more then 30 days to initiate any type of resolution. Equifax XXXX XXXX Did not even submit it to company, had results before Day was over, so did not try to get correct information on account as it 's settled. Equifax and XXXX. 

XXXX XXXX XXXX ( {$460.00} ) They did not contact creditor to update, settled account, this account was n't even mine, documents sent to creditor and submitted to Equifax, XXXX should not be on report as shown. 

XXXX I have no liability for this account and should be removed, this account has transferred to new account with student XXXX XXXX, and was in a criminal investigation and letters and file block was sent to Equifax per the XXXX County Sheriff, FTC and should be removed. Equifax Equifax and XXXX  both have continued to lock me out of viewing and correcting my report by submitting documents, emails, and other forms of proof to substantiate my claims as they will not abide by the laws of the FCRA and should be held liable as pursuing legal actions toward them, other bureaus have used submitted documents and removed accounts in question. I constantly have fraud alerts added that I do not initiate and do not want or need on my reports and want that stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been using a credit monitoring service for sometime now. When my husband and I were in the process of applying for a preapproval for a mortgage, our credit scores were a lot higher than the credit monitoring service showed. The XXXX credit monitoring service showed a score of XXXX but when the mortgage company pulled my credit my score was 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 monetary relief
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with Gatestone & Co. International Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gatestone is repeatedly calling from different numbers, never leaves a voicemail and has n't sent anything to me via postal mail to let me know what business they allegedly have with me. They call from a XXXX number but the last four digits are always different. They 're doing this to evade their numbers being blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: VERY ABUSIVE caller, refuses to stop calling my phone, and the person they are looking for is NOT me. I have tried to ask, and asked for a manager, no response ... they are EXTREMELY abusive and threatening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Trouble during payment process

Complaint: I received a statement dated XX/XX/XXXX from my mortgage company stating my payment was late and that I was charged a late fee. I called on XX/XX/XXXX after returning from an overseas trip and spoke to XXXX ( agent number XXXX ). XXXX explained I received a late fee because my payment was received after the grace period. I told XXXX I have confirmation from my bank indicating they sent the XXXX payment on XX/XX/XXXX and Freedom Mortgage received the payment on XX/XX/XXXX. I asked XXXX to check into why it took Freedom Mortgage ( Headquarters location is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, NJ XXXX ) so long to process the payment. XXXX put me on hold and contacted a team leader. XXXX came back on line and told me there was an issue at their payment processing center during the month of XXXX and that they are going to waive the late fee. I told XXXX thanks, but this is the second late fee I have been charged by Freedom Mortgage through no fault of my own and requested to speak to a supervisor. XXXX transferred me supervisor XXXX ( agent number XXXX ). XXXX told me the company had is issue with their lock box in XXXX and it caused a lot of customers to receive late payment charges/noticed. I asked him since the company knows they have an issue, are they taking corrective action automatically or are they only thanking action when customers call to complain. XXXX indicated they are taking action when customers call. He gave no indication the company is taking corrective actions for the accounts where customers do no notice the late fees. I can provide supporting documentation if required.

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