milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Hi, I am currently awaiting 2 x {$10000.00} withdrawals from Coinbase for over 10 days. The withdrawals appeared to be complete on Coinbases ' website but my bank account has not been credited. I attempted to make these withdrawals on the XX/XX/XXXX and XX/XX/XXXX. 

I 've contacted Coinbase support via email, created a ticket ( Case ID : XXXX ) on their website, contacted them via XXXX, and messaged their moderators/employees on XXXX and have yet to receive a response. 

This is worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Renton Collections Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX, I request debt validation of the following XXXX debts placed for collections at RENTON COLLECTIONS, INC. 

XXXX. Original creditor XXXX XXXX XXXX {$900.00} XXXX. Original creditor XXXX XXXX XXXX, XXXX Balance {$260.00} On XXXX XXXX, XXXX, I mailed a second request for debt validation regarding the above referenced accounts. 
I did not receive any information regarding these debts, and the collection agency has failed to validate the debts. 

XXXX LAST NAME HAS CHANGED FROM XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I had an account with Bank of America , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Bank of America. I sent BOA a dispute, and they simply sent a form letter stating that their " records confirmed the information is accurate ''. They gave me no proof and no indication of their " records '' or how they obtained their decision. They are violating the FCRA and this is damaging my credit.

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 06/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection firm purchased debt in 2008. Date of XXXX delinquency and reporting date was XXXX 2008. XXXX year credit reporting expiration should have been XXXX XXXX. I have recently checked credit to see the dates have been changed to XXXX with 7 year expiration moved to XXXX XXXX. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic form which is not a validation, but rather a verification that my name is listed on the debt. This is causing continued damage to my credit. What they are doing is illegal under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this debt and asked for verification of my responsibility for the account but never received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home. 
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25. 
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing. 

Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed hackers to steal my personal information including DOB, SSN,  former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are 5 accounts with the US Department of ED that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/, XX/XX/ and XX/XX/ There was any agreement made and these payments were made up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In  XXXX     2017, I sent a request to each  XXXX , Equifax and   XXXX   XXXX   regarding removal of the extended fraud alert on my credit pro file. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :  XXXX  : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert Equifax : Has failed to make any response to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies, Transunion being one of these agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the TransUnion Credit reporting agency has not followed the law. As a result, I am still suffering the effects of documented and filed identity theft against me that is being furthered by Transunion not adhering to the protections afforded me in this situation. I 've done everything they 've asked and provided all the documentation and they still have not blocked the fraudulent information from my credit file. 

Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. In spite of all the documentation they requested that I sent, they had not and still have not blocked this information. 
Blocking Bad Credit Information from Credit Reports The law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX I received a statement with a total balance due of {$3000.00}. This entire balance was on a 0 % interest promotional rate that was due to expire on XX/XX/XXXX. I paid the entire {$3000.00} balance due from the statement off on XX/XX/XXXX, but was charged interest on my XX/XX/XXXX statement. When I called customer service to dispute the interest charge, I was informed that I was charged interest on new purchases that had not been billed on a statement yet. I was told that if there are no promotional rates on the card then interest is not charged on new purchases until after they are billed on a statement, but when there is a promotional rate that new purchases are charged interest before they are ever billed on a statement. Being charged interest on new purchases that have never been billed is like being charged a no-show fee for a doctor 's appointment scheduled for next week.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.

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 03/20/2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Credit determination

Complaint: I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.

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 07-08-2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (AR).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home loan to an interest rate reduction refinance VA loan ( XXXX ) in XXXX, XXXX. Our loan was serviced by XXXX until XXXX of XXXX when it was sold to Roundpoint Mortgage. Our interest rate is adjustable after 5 years, fixed until then. We live in Arkansas where we are qualified for a {$350.00} homestead deduction in our real estate taxes after we have lived in the state for a year. We requested a new escrow analysis due to the break we received from Arkansas. While our insurance increased a little, we should have seen a drop in our payment as our interest rate is the same. Instead of that our payment was raised by over {$100.00} a month. I have called repeatedly since XXXX to get this problem solved. Not only did the servicing person figure the timing wrong for payment of our taxes, they used the figure which included our personal property tax for their analysis. I 've been assured that they will fix this problem several times, that it was sent to a supervisor, etc. Prior to the first of XXXX, when the new payment was to go into effect, I told them I was paying the old payment amount. My call today produced the news that my payment is hung up because it was short and that all the person could do was reopen the escrow analysis ( start over again ). I asked to speak to a supervisor and was on hold so long I asked that a message be given to a supervisor to call me back. I am including a copy of our tax statement which shows the homestead reduction, the due date for payment and the total with the personal property taxes included. We really would appreciate help with this. We are retired and an additional {$100.00} per month is a hardship for us, especially when it does n't make sense. 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 08/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: I have an outstanding balance on my credit account with Synchrony Bank. My last payment was a substantial portion of the principal balance. I missed my last payment and have since become a victim of what I believe to be illegal collection practices based on the information provided on the ftc.gov webpage. They are repeatedly calling my phone up to XXXX times daily. I believe they should be held responsible for inappropriate collection practices, and I intend to withhold payment based on this principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: " To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. '' To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 

Mortgage Servicing & Procedures & Lies : Suntrust concealing the time line when the borrower entered loss mitigation procedures in XXXX in order to justify the late fees that were charged, that the borrower was reported delinquent to the CRA 's during the trial & also in order to conceal the fact that after 6 month of processing XXXX the borrower was first approved ( XX/XX/XXXX/XX/XX/XXXX ) & than shortly thereafter borrower was denied for HAMP - borrower received NO denial Letter. 

Thereafter Suntrust did not apply any funds nor reinstated the loan until XXXX XXXX ( see CFPB case against Suntrust ). 

Constant false and fraudulent written statements by Suntrust XXXX XXXX XXXX from Suntrust stating in letter her letter that " fees were charged because borrower was delinquent entering trial period ''. ( see attached ) Proof XXXX Borrower was assigned a point of contact in XXXX XXXX ( see attached e-mail with point of contact information ) XXXX Borrower NOT delinquent entering loss mitigation in XXXX XXXX ( see attached receipts for the two months prior - No payments past due ) - XXXX XXXX ignores the evidence & continues to deny the fact that the borrower was current. 

XXXX XXXX will also refuses to acknowledge the LOST Paperwork & Faxes : Borrower provided proof that her original application was lost/misplaced, and that instead of receiving trial payments in XX/XX/XXXX as stated by loss mitigation - borrower was asked to re-submit - No trial payments could be conveyed in XX/XX/XXXX because application was lost/misplaced. 
XXXX Borrower had to re-submitted XXXX XXXX XXXX & again XXXX XXXX XXXX. ( see attached proof from SunTrust bank/ Fax logs ) XXXX The application for HAMP was submitted with verified-income ( all tax returns and all documents required in the borrowers package ).

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 01/23/2016 about Debt collection (Credit card) with Continental Finance Company, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.

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 07/16/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested a collection company to validate a debt which they have not and continue to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent Trident Asset Management a debt validation letter, requesting validation as well as their right to collect in my state and proof the statute of limitations had not expired. 
They sent a phone bill XXXX no copies of Contracts, no XXXX or XXXX number, no signature etc ) this does not validate the debt. 
Trident also is reporting when the are not the current account holder, that falls under XXXX XXXX XXXX who is owned by Trident, but not licensed in Fl. 
According to Fl statute of limitations ( which they did not send proof of ) a XXXX XXXX is XXXX and an XXXX is XXXX yrs.. This bill they sent is dated XXXX/XXXX/XXXX, which by Fl law the statute of limitations has expired. ( Please see attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation