milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Fraud or scam

Complaint: Coinbase offered a new coin on their exchange. I sold {$48000.00} worth of Ethereum to purchase the new coin. I put in a market order to purchase the coin as soon as it went live on the exchange. I got a buy at {$6000.00} per coin, more than double the normal asking price, however, this is not the problem. I immediately attempted to sell, since the price went up to {$8500.00} per coin, but the exchange went down. I couldnt sell my coins since the exchange was closed seconds after it was made open. After hours of deliberation, they decided to reopen the market for the coin the next day. I immediately knew the repercussions that would arise from this and contacted Coinbase for action. They let me buy at exorbitant prices, then deliberately drove the price down by allowing orders to post for much longer. They even stated that their goal was to increase liquidity, or make the price stable. RIGHT AFTER ALLOWING ME TO BUY AT RIDICULOUS PRICES. I bet on the market going crazy, and I was right. Had they left the market open, it would have stabilized on its own, and I would have gained nearly a 50 % profit. Instead, they themselves gained a huge profit by allowing their coins to be sold at almost 3x asking price, then conveniently shut down the server and stabilized the price. How convenient for them. Market manipulation. Insider trading. Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. 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 05-01-2015 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Delinquent account

Complaint: I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: In spring 2013, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other XXXX accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX, I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with U.S. BANCORP (PA).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/XXXX I was going through some records and came across a fraudulent charge on one of my cards dated XX/XX/XXXX. I brought it to the attention of us bank and they told me they would issue me a credit on my card for the full amount of XXXX. After waiting several months with no credit I called back in and they told me that they now were not going to issue me credit because too much time had passed. It is my understanding that I have zero fraud liability and there is no timeframe associated with that. The us bank rep told me it was company policy to deny claims after a certain timeframe.

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 10/16/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ncb called me the other week stating that I owed them some much money but I do not owe that amout they sent me documents but there wrong documents um

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We ( XXXX XXXX and XXXX XXXX, husband and wife ) filed Bankruptcy case XXXX here in the XXXX of Illinois. Pursuant to the settlement of this case the mortgage with XXXX # XXXX on this property was surrendered and transfered back to the bank. We no longer have anything to pay on this loan as it was discharged as of XXXX. The bank is continuing to report it as past due. I 've contacted the bank and received no response. I 've sent letters to the XXXX credit reporting companies. Equifax responded that the bank said they are reporting this correctly. This can not be correct as we no longer have this loan. Is the bank saying they will report this as past due for years although we no longer have an obligation to pay this loan. We are trying to reestablish our credit and have been denied credit as our credit scores will continue to go down and/or not change as this loan is continuing to be posted monthly as being unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: Customer ordered appraisal with TD Bank and was charged for the appraisal. Customer decided to proceed with another mortgage company who proceeded to get the appraisal transferred. After numerous hours on hold and several unanswered emails TD Bank finally sent loan officer email about a week later stating that TD Bank does not transfer appraisals.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received an email on XXXX/XXXX/17 stating that Navient ( XXXX XXXX ) had a lawsuit against them for not giving their borrowers the opportunity to make arrangements on their student loans. I have student loans through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I enrolled in electronic billing for  my American Express Cred it Card and to receive email notifications for when my bill is due. I do not have record of receiving an email bill for my  XXXX  or  XXXX   2017 . Because I had not used the card recently an {$11.00} balance went delinquent for 34 days before I caught the error. I do not have record of receiving a bill or warnings of a delinquent payment. As a result my  XXXX   credit score declin ed to  XXXX  from  XXXX . I have never been late on any payment prior to this insignificant balance bu t American Express is un willing to correct the error or acknowledge if an email was sent on the bill. To test the alert system in  XXXX     2017  I mis sed an {$11.00} payment by a couple of days to see what alerts American Express would provide, which it does not. I also noticed that American Express does not disclose the account is delinquent in the email only if you sign into your account to view the bill ( see attached image ). If you enroll in electronic billing and receive emails the credit companies should, at the least, provide an alert in the email that the bill is delinquent. They are saving money on paper bills and postage and could easily provide alerts that the bill is delinquent to avoid this issue on an insignificant balance. I called the company and was referred to three differen t departments and spent a couple of hours on the phone only  with 5 different people only to hear that there is nothing they could do to revise the delinquency because they are not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Private student loan) with DISCOVER BANK (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I set up Auto pay for my student loans, and while checking my statement I noticed I was removed from autopay.After calling in to fix this issue and reenlist in auto pay I informed the representative I wanted to pay extra to cover the interest and additional principal for my loan.The representative told me she would apply the payment to the interest and additional payment to the principal. While checking my statement, I learned the representative did not apply the action as we discussed, but put this payment as a future payment. Upon learning this on this I called the company and was informed by a representative that any extra payments you make do n't apply to the principal of the loan.The representative continue to tell me false information to the point I had to request to speak to a supervisor.After speaking with the supervisor he informed me that the information she gave was incorrect.During our conversation I requested additional funds be withdrawn from my bank account at certain days and signed a verbal contract, but while checking my bank statements I say these funds were withdrawn on days I did n't agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (MA).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/2015, Midland Credit Management was told that I was represented by counsel and that they had failed to respond to a request to produce documents including account statements, account numbers, payment history, proof that account was mine. At that time they ceased all communication. However, for the past two months, thy have violated my rights by once again started calling our number, XXXX and leaving automated messages or hanging up and calling again numerous times. On XX/XX/2015, they mailed me a letter, in violation of consumer protection laws, referencing an account number, account XXXX, knowing that I had counsel. They still failed to provide any documentation or proof that this account belonged to me. I have retained copies of their correspondence. midland was sued by you for exactly this type of violation. They are now trying this same tactic with me, in violation of my rights. I ask that they stop this collection activity immediately or I will file a complaint against them and any counsel contacting me against my rights, with the attorney generals office and take legal action as appropriate for this violation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My name is XXXX XXXX I had a charged off XX/XX/XXXX.. from XXXX.. I only owe XXXX. I keep all my records and have found the original debt. The debt collector pressler & pressler, who bought this debt from another company : XXXX XXXX, garnished my check in XX/XX/XXXX for XXXX or more dollars & again in XX/XX/XXXX seized monies of XXXX out of my XXXX XXXX account.. Now I just received a letter from them getting ready to garnish my paycheck from my current job.. I need help.. I 've decided to call them today to speak to a lawyer and ask for a itemized detail bill of charges..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In receipt of the last reported correspondence from Wells Fargo Home Mortgage and my calling today and speaking directly with XXXX XXXX / XXXX XXXX. The goal today was to inform Wells Fargo Home Mortgage of a deposit of {$300.00} to be applied with unapplied funds that sat in my mortgage account since my last deposits of {$1100.00}, {$490.00}, {$820.00} on XX/XX/XXXX. It is said that unapplied funds of {$540.00} also sat in my account since XX/XX/XXXX and has not been applied to my mortgage account. When speaking to XXXX XXXX she made mention that she would forward my correspondence to my point of contact, whom I requested not contact me by phone and also to assign a new point of contact directly by email to CFPB and the President and CEO of Wells Fargo. All correspondence will now take place via email, due to the unprofessionalism, combative, passive aggressive and lack of knowledge displayed by XXXX XXXX. As of today, I have received correspondence stating that the requests I made in previous correspondence be answered by XX/XX/XXXX. As we embark into a new year, my goal is to resolve any and all confusion caused by the lack of concern by untrained representatives. I again request knowledgeable, professional representatives whom will respect my wishes and concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have provided the information to Experian to remove the XXXX negative from my report as I did to XXXX and XXXX XXXX. They XXXX removed the negative from my report because I was right and XXXX was wrong. Experian will not remove this negative from my report, I spoke to someone at Experian and they told me to contact you so you can dispute their decision. I 'm asking that Experian remove this negative, like the other XXXX companies.

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 11/17/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a call every morning at XXXX Monday thru Friday from a company listed as Convergent resources by my caller ID and shows the number calling to be XXXX. The call is a Robocall that does not identify themselves and says that this is a Debt collection and I owe a debt ( which they do not provide information as to what debt I owe ) and then provides a different contact phone number to call back with.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello. My complaint is with SLS XXXX XXXX XXXX, XXXX XXXX XXXX co, XXXXthey are servicing my loan, in which i am in the midst of loan modification. They are in the habit of waiting an hour before my trustee sale to notify me of missing documents. I had a trustee sale date set for XXXX XXXX, and up until XXXX XXXX i was told that my package was complete. i was following up with them every 2 hours to make sure i had a complete package and on XXXX XXXX, i was notified a document was missing and if i sent that document to them, they would postpone the trustee sale. I did send that document 10 times, they received it and told me they wre postponing the trustee sale. at XXXX XXXX on XXXX XXXX, one of their employees advised me that i was misinformed about postponign and the bank is proceeding with the trustee sale as planned. it was too late for me to take any action, even if i was to reinstate my acct, it was too late. I did a bankruptcy at XXXX XXXX that same day to postpone the trustee sale and schedule some kind of reppayment plan. the trustee sale was postponed bcuz of the bk and they started reviewing my loan modification it has been a month, no response, and i have trustee sale set on XXXX XXXX. i am asking them to postpone the sale since all the documents are in, and i am being reviewed. but they are not postponing. they are waiting as before to the last minute to deny me or advise me of documents missing. can you imagine, one whole month has passed and they are not doing anything with my file and waiting for the day of trustee sale to advise me of status. 
I am requesting for them to postpone the trustee sale since all documents are in and i am being reviewd. it is not fair for me to be notified of a denial decision the day before the trustee sale at XXXX XXXX. please review their procedures to see if they are within rules of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just recently reviewed my credit report and noticed a negative account from XXXX which i have no idea where it came from or how it suddenly appeared on the report. Years ago i had a fraudulent / bogus charge from XXXX which, when challenged was removed from my credit history. I have had no dealings at all with XXXX since around 2009, and the account was closed in good standing as far as i knew. I never received any bills or anything at all from anybody regarding owing XXXX anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief