milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Other service problem

Complaint: On XX/XX/XXXX at XXXX XXXX an unauthorized Charge was taken out of my account for the total amount of {$210.00}. I secured my account the same day and changed my password as well. I sent an email to Coinbase Support explaining what happened and they temporarily disabled my account. They told me on XX/XX/XXXX that once a security review was completed I would be able to access my account again but it might take 10 days. I have completed the all the steps on their review but still have not heard back from them. I have over {$20000.00} worth of virtual currency in my Coinbase account but until they unlock my account I can not access my funds. I need them to turn my account back on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with PINNACLE RECOVERY, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2017, I refiled a dispute with XXXX XXXX on a debt that a collection agency reported on my credit report. XXXX XXXX reply was that the debt was accurate, I sent to them documents that prove that I paid this account in full and nothing was farther owed on this account. The same collection agency had reported this debt on my wife credit report than removed it saying that they had been paid in full, this is not true because, me and my wife paid this collection agency nothing at all,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TN).
Issue: Other transaction problem

Complaint: On X/XX/2017 I went to the online portal of Western Union to transfer {$500.00} from my XXXX checking account to an individual in XXXX XXXX who would collect the funds at an authorized Western Union Location. After I entered all of the data required to enable WU to make the funds available I received an acknowledgement from WU assuring me that the transaction was in fact being processed and that I would receive a code # for the recipient to collect the cash in " minutes '' as per the WU service promise on their site. 
As time passed and I did not get the pick-up code for the recipient and availed myself of the tracking tool provided by WU. The first track replied with the transaction was being processed, but it was take 30 minutes. When that time expired the next track returned that it would take two hours to enable the pick up in XXXX XXXX. I then called WU customer service and spoke with an agent who told me it would take as long as 6 hours to enable the transaction even though WU had taken the {$500.00} + {$49.00} in fees from my checking account. I asked to have the call escalated to a supervisor who finally disclosed that I was blocked from using WU services. I asked for a reason or cause as was told that was all I was going to learn. WU # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing/Cancelling account

Complaint: I had a Capital One/GM card for many years and used it to build up dollar credits to be used when purchasing a new XXXX automobile. I always paid my balance in full at the end of every month. Upon returning from vacation in early 2014, and retrieving my held mail from the post office, there was a Capital One bill in the mail stating I owed XXXX plus a late fee charge of XXXX. I immediately contacted Capital One. After explaining that I had just returned from vacation and found this bill in my mail, the supervisor agreed to waive the XXXX late fee and accept my XXXX as payment in full. I paid immediately thinking all was well with my Capital One account. Some time later I tried to use the card and it was rejected. I called and the representative informed me that my card had been cancelled due to delinquent payment. 
I am now purchasing a new XXXX vehicle and upon trying to use the Capital One/GM credits I had accumulated over the 10 or so years I used this card, I was told the credits are expired and there would be NO WAY of retrieving any benefit from the expired dollar credits. 
It 's my contention that Capital One unfairly cancels customers cards with very little provocation in an effort to extinguish their purchasing dollar credits and thereby saving Capital One or GM large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Mortgage) with URS Holding, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Several years ago I enrolled in automatic payments and unfortunately did n't do my due diligence on following up with the loan provider. Logging in our account and seeing were our money has gone has been incredibly devastating. I am a XXXX and graduated from a college that is now closed. 

School : XXXX ( now closed ) Loans : XXXX {$28000.00}, and XXXX {$22000.00} TOTAL AMOUNT : {$50000.00} Payments started XXXX, with the first payment being {$25000.00}. It was NOT applied toward the principal balance XXXX Automatic monthly payments of {$240.00} were setup XXXX/XXXX/XXXX payments increased to {$250.00} XXXX/XXXX/XXXX payments increased to {$280.00} Since XXXX/XXXX/XXXX Navient has been charging LATE FEES ranging from {$13.00} - {$30.00} even though I am enrolled in automatic payments. 
95 % of payments have been applied towards INTEREST and FEES. 

The loan reflects a XXXX % variable interest rate. As of today, XXXX there is a principal balance of {$24000.00} and {$15000.00}, totaling {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: Customer service would not take care of the negative inquiries reporting to my credit report. 
1. XXXX cus. - XXXX 2.Online info. - XXXX. 
3.XXXX credit. - XXXX Customer services was rude and also poor English.

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 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have requested that the remarks be removed from my credit report that state consumer disputes. Having these remarks on my credit report are causing issues with me refinancing my home. This creditor has already been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: On XX/XX/2018 I submitted a complaint to Credit Bureau Experian/XXXX and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how Experian/XXXX and XXXX  Validated the accuracy of this negative collection account. This was a paid on time account and closed. Experian/XXXX  and XXXX has failed to provide me proof documentation from XXXX. The 30 days exceeded.

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 01/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I attempted to make a payment to my landlord using PayPal on XXXX XXXX XXXX for {$2500.00}, and accidentally entered the wrong email ( it was a non-functional address ). I immediately cancelled the payment, within 3 minutes of initiating it, but the funds were subsequently removed from my bank account anyways on XXXX XXXX, XXXX. It took until XXXX XXXX, XXXX for the funds to be returned ( during which time my bank account was overdrawn, as I had to write a paper check to my landlord that was immediately deposited ). I attempted to call PayPal during those three days ( between the cancelled transaction and the return of funds ) to ensure the transaction was indeed cancelled and inquire about the status of my funds. I was unable to reach anyone when calling the Help Center, and when attempting to use their Resolution Center, received a message " Let 's try that again. Looks like something went wrong on our end. '' repeatedly, from different computers at different times. Eventually the funds were returned to my bank account, having caused an overdraft fee and damage to my credit score. On XXXX XXXX, XXXX, the same transaction was attempted again ( for {$2500.00} to an incorrect email address ) for some reason even though it was cancelled originally, and my bank was again overdrawn with the now completely unauthorized transaction to a nonsense email that had been cancelled. I was able to speak to a representative on the phone, but when I requested the ability to file a complaint and request coverage of my bank fees I was put on hold for an hour with no response. And I am still unable to file a complaint using the online Resolution Center. 

The result of this issue, the harm caused to me as a consumer, is three fold. First, I now twice have had my entire bank account cleared which leaves me without money, for emergencies or needs or anything. Second, I am incurring overdraft fees through my bank for a transaction I did not want to go through, twice. Third, my credit score will be affected, which has serious and long-term implications. The problem at the core is that I was unable to resolve the issue with PayPal via any of their supposed methods to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Castlepayday.com proposed one amount and then fradulantly proposed a different amount on another document.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage bought mortgage from XXXX and increased amount paid to escrow even though my insurance and taxes have not risen, They said once paid, I have an escrow balance of {$130.00} but they need it to be {$480.00} dollars so my mortgage payment went up. Can they do this arbitrarily? What is they want my extra escrow balance to be {$1000.00} or {$1500.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: During the month of XXXX I was alerted that someone was making charges on my account. The charges were made in a multitude from places outside of the United States. Some charges were with companies that I do business with and I was asked to look over my entire account. A couple charges were made through XXXX, one for {$9.00} and another for XXXX. My monthly charge for XXXX is XXXX and has been for a very long time. I answered the questions asked of Chase and assured them the XXXX and XXXX were not my charges. The monies were returned to my account. On XX/XX/2017, Chase withdrew XXXX from my account stating it was a claim reversal. I contacted Chase and was told that since I had an account with XXXX it appeared the charge was mine. I was taken back as I had previously been through claims, and there was absolutely no justification for reversing the claim based on my standard monthly charge. I have maintained my XXXX account and have always paid {$9.00} on the same date and the same amount. I then spent nearly an hour speaking with various Chase associates one who told me he could completely understand what happened and believed the reversal was a mistake. To date Chase has not returned the funds nor contacted me. I did not authorize, purchase, and absolutely was a victim of fraud. How the person obtained my Chase information is beyond me. {$9.00} is not going to break me, but it is my money, and Chase had absolutely no reason to take the money from my account. Chase 's logic and actions makes me worry and for the first time since I have been with the compay, afraid of the effects fraudulent activity will affect me. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Partners Financial Services Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company called my employer to a contact # that is not mine directly. Left a voice mail message with an unknown party in an executive office " Investor relations '' stating on the voice mail that this is regarding collection of a charged off loan lone of credit even checking account balances. This VM was forwarded to me " transcribed '' from this executive officer of our company. Humiliating, and I do not even know what this debt is regarding. But they disclosed collection information on the VM they left, and it was NOT my direct voice mail box.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have recently obtained a copy of my credit report. it showed a charge off by your company " Sync/XXXX XXXX '' that I do not recall. The last time it was reported was XX/XX/2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Payday loan) with High Point Asset Inc (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I FILLED BANKRUPCY IN XXXX, AND I PUT THE PAYDAY LOAN ON IT, BUT APPARENTLY THERE WERE OTHER PAYDAY LOANS IN SMALL PRINT, AND DID NOT SHOW UP ON CREDIT REPORT NOW FOR THE LAST FEW YEARS ON AND OFF OTHER COMPANYS HAVE BEEN THREATENING TO TAKE ME TO COURT ECT ... .AND TODAY XXXX XXXX THEY HAVE CALLED ME 5 TIMES AND LEFT A MESSAGE SAYING I NEED TO CALL THEM BY XXXX TONIGHT OR THEY WILL TAKE FURTHER ACTIONS, I TOLD THEM I FILED BANKRUPCY ON THE PAYDAY LOAN AND THEY INSIST THAT THEIR ARE OTHER LENDERS IN FINE PRINT THAT ARE PARTNERS WITH PAYDAY LOAN ... WHAT DO I DO?

Company response to consumer: Untimely response
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called TransUnion to have inquiries removed off my credit report that i dont know anything about. Guy justgave me the running around here 's a list of inquiries1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7.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 04/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was Modified by BOA, the agreement was to make XXXX payments on time, On the fourth payment they were closing out the old loan, took my payment, applied it to principal and then said I had to make another payment and that they could not fix their mistake. I spent two years trying to get it corrected with the help of the local bank and they reversed it and sent an apology letter. One month later they reversed it back, I refused to make a payment for two months until they corrected it and then at that point gave up and started making payments, they then sold the loan to XXXX which is even worse than Bank of America. I have since then caught up on all my payments, but XXXX is trying to charge me XXXX in Late fee 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Application, originator, mortgage broker

Complaint: In 2013 we finally, after almost 5 years, got a modification from Chase Bank. During that period we were regularly sent letters basically threatening us with foreclosure and put us through several trials. After receiving the modification, we were told by our representative that we would have a 2 %, {$230000.00}, 40 year modified mortgage. I ask several times if that was without any charges and XXXX XXXX said absolutely. I asked for a copy to be sent email, or fax, but he said he could n't do that and we would have to wait for the final papers. 
Upon receiving those papers we were shocked to XXXX an added on charge upon the sale of our home, or at the end of the mortgage, of {$89000.00}! They never explained the charge and we had a choice of sending the papers back within 10 days, or losing the loan. After all the stress and fear of the preceding years of not getting a loan, we signed the papers. Chase scammed us, knowing we would be afraid not to sign. 
Our desired resolution is to have the {$89000.00} waived. XXXX XXXX was the representative involved in our modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX I mailed Equifax a dispute for XXXX XXXX XXXX. The dispute was received on XXXX XXXX and I still have not received results on the investigation. I have attached the certified mail and return receipt. I have also attached the initial dispute letter with identifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted this request 4 times to be fixed and Transunion has yet to fix it even though XXXX  corrected it. My score is XXXX on XXXX and XXXX on Transunion. The problem is with a credit card issued by XXXX that Transunion has deleted from my file. I explained that it should have not been deleted as I am a signor on the card and have been for many years. XXXX  corrected the mistake and Transunion has yet to do anything even though I have submitted the evidence and they can see that XXXX corrected the problem. I have called, submitted the corrections to them 4 times and they fail to so anything, I want this error corrected so my credit file reflects the XXXX card that is mine. The card was opened in X/XX/1998 and is in good standing. I have been an authorized user for years and has always reported on my credit file. I want them to restore it so my credit score reflects the correct amount of XXXX. 

Please help me in this matter as they have wasted many months on this and refuse to do anything even though the evidence reflects that they should of corrected it a long time ago. 

Best, 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 non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
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The only open item is for an old credit card with high limit of {$1500.00} and Account #  XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This Credit Bureau complaint is in regards to whomever was responsible in the " pair '' of CFPB complaints on file at this time pertaining to.. 

CFPB Complaint # XXXX, and alsoCFPB Complaint # XXXX. 

I do not have an awareness as to who or whom is at fault regarding the errors contained within the other XXXX complaints mentioned/or referenced above pertaining to/or involving " XXXX '' AND " XXXX '' PLEASE HELP!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation