milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Unauthorized transactions or other transaction problem

Complaint: Coinbase won't allow me to buy /sell or withdraw because i couldn't get though the ssn Identity Verification but im positive that every info i entered is correct. im trying to withdraw funds to my bank but it won't work. its saids i need to provide additional info to withdraw. coinbase already have my ID and infos every time i try to fill the additional info it it always say can not locate my ID and will locked me out for certain hours in order to try again I contacted coinbase numerous time with no luck. coinbase already approved my identity i sent all the document they needed. when i first register for coinbase eveything works fine i can buy/sell and withdraw small amount of funds after sometimes it won't let me do it anymore. please help and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called Navient to continue my rate reduction plan and they had me on the phone for almost an hour and most of it was on hold. They would n't include my pet food and other necessities. The supervisor I spoke with was very rude and he told me to call back again after I had already spent an hour on the phone. He was n't helpful in trying to accommodate our financial difficulty. Our payment is currently {$240.00} and he said we needed to start paying the full amount of {$430.00} which is about a {$200.00} increase that we have to unexpectedly pay. We wanted to continue the rate reduction for at least another year. The interest will also go up as will the payment. When we first took out the loan we did not know what we had gotten ourselves into. All the fine print and legal terms are not legible to a lame person who is not knowledgable with legal terminology. I believe this is how these corporations take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Other transaction issues

Complaint: I initiated a wire transfer from my Chase business account to an overseas supplier on XXXX XXXX, 2015 in the amount of {$2200.00}. I got an error saying that the transactions could not be completed. The system was unstable and I had issues going to wire page. After a few minutes I tried the transaction again and got a transaction successful message. Just to double check I went to the " wire activity page '' and saw not XXXX but XXXX transactions for {$2200.00}. I spent 1 hours and 5 mins shuttling between various groups. XXXX transactions showed as complete and the second in transit. I asked the intransit to be cancelled because it was obviously an error on Chase 's part. They admitted that were having system issues. At the end of the call I was told that the transaction completed and they could not stop the transfer. They said they would contact the Bank in XXXX for a reversal. I called them again on on XX/XX/XXXX and was told they are still waiting for a response. I called again on XXXX XXXX and there was still no resolution. 
I discussed with my supplier and he was willing to wire the money back minus the {$10.00} deduction his bank made and any charges they would make for a wire. Chase on the other hand said they couldnt do anything about the reduced amount but would credit any of their own fees. They said they were not responsible for any fees on the receiving bank 's side. I aksed if it would be better for me to await Chase 's resolution or request the supplier to return the money. They were non-committal but finally admitted that perhaps having the supplier return the money would me more timely. 
How can I be made to beg for my own money. I ca n't believe Chase has been so incompetent and unapologetic for their mistake. What if my account goes overdraft! I ca n't believe I am expected to be in the red for a Chase system error, which they are not taking responsibility for, but admit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: -- In   XX/XX/XXXX   the balance due on my   XXXX    XXXX  Credit Card ( billed b y Comenity Capitol Bank )  was {$250.00} and the minimum amount due was {$25.00}. The minimum amount due remained {$25.00} for   XX/XX/XXXX  ,   XX/XX/XXXX  , and for   XX/X

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. 

Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Auto) with CIG FINANCIAL LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For the past few months I have requested the lender send me an itemized payment history that included principal and interest balance. This request was made because I wanted to know the amount since my car contract was ending. Yes I made payments late BUT never 30 days over. This company harasses you constantly with phone calls from about XXXX different phone numbers in different area codes. The send text mSsages and email also. The only documentation they provided was a payment ledger with payment amount and payment date. I requested balances of int and principle and allocation of payment. I was told they do n't provide that. If I ca n't figure it out then take it to an accountant to figure it out for me. my monthly statements ONLY show amount due. There is NEVER A BALANCE AMOUNT OF LOAN shown on statement. At this point they continue to call and email daily requesting payment ... ..wanting me to comply. No problem but why not comply to my request to see what TRUE amount is owed. I received a statement asking to pay {$240.00} and XXXX XXXX is asking for {$340.00} another WHOLE car note. I informed him since last harassing phone call, the day my husband was in XXXX ... .these insensitive I humans did not care. I was asked " SO WHEN ARE YOU GOING TO MAKE PAYMENT? Since my husband had been ill my finances began to get worse. But I still managed to pay my car note. Now I 'm off on medical leave. I received another call from another Area code from XXXX XXXX and he asked me what my medical condition was. I told him that there is medical laws. I do n't have to give him info on my medical condition but I have my medical leave paperwork from my job. Once again I asked him to provided statement he replied with a nonsense reason why the amount owed. Why is the company refusing to providean itemized statement so I can close this loan. All payments for car note has been paid. ALTERNATE PHONE NUMBERS THEY CALL FROM:XXXXXXXXXXXXXXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did equifax allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ND).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company is XXXX and XXXX, a debt collector. They took over the account I had with XXXX -- that was sent to Midland Funding. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to XXXX. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union XXXX According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The issue reported is a wrong name spelling. My maiden name is XXXX not XXXX. My last names have been XXXX ( maiden ), XXXX, XXXX, and XXXX. I am requesting this to be fixed so I can get into a home!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (PA).
Issue: Credit decision / Underwriting

Complaint: Was told needed XXXX items ( conditions ) then after given to me they turned me down from original information not of the conditions. They drug me along for 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX I faxed my " Loss Mitigation " Paper work to the XXXX AZ office. I called the phone number on the loss mitigation papers { which was completely different than XXXX Number } later that day to see if they received it and I was redirected to XXXX XXXX She told me it looked like they got some of the papers I sent. Then quickly changed the conversation to needing a payment I explained that I was calling just to confirm that my papers were received and that my husband would be calling in with the payment information. She yelled at me and said my husband and I need to get things straight. She said you have to answer to payments and continued to scold me on how I purchased a home knowing that I could n't afford it. She put me on hold and sent me to another representatives which would n't give me any information regarding my paperwork sent. She continued to harass me for payment. I felt like I was being " BULLIED " by these XXXX Green Tree Associates!! I had to hang up because I was brought to tears and for the first time I felt hopeless. I was scared that this new provider was out to take my home. We just recently got sold to Green Tree. Our last mortgage company was XXXX XXXX XXXX. Green Tree has no soul.. I 've never been subject to such brutal tactics. XXXX I called the loss mitigation number and XXXX XXXX Answered and again she would n't tell me what was missing from my submission of paperwork before she told me I had to make a payment. I told her she was wrong for treating me this way and that I 'm trying to get help so I could make my payments on time. She told me that she was sending me to her manager. XXXX is her name and she was completely understanding and told me what was missing and listened to my concerns and lastly before we hung up she reminded me of payment and I was cooperatives with confirming a confirmation on calling on Monday to schedule a date for payment. I know they are changing to XXXX in the coming months. I hope that they clean out the Rude and unprofessional associates XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking activity on my credit report with Experian I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" XXXX. XXXX makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, XXXX XXXX renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " XXXX '' ), or limited liability partnership ( an " XXXX '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, XXXX, or XXXX, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. XXXX XXXX ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. XXXX ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as XXXX and XXXX. How can XXXX XXXX XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX XXXX XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Unexpected or other fees

Complaint: As I have done many times before, I wired monthly child support to my former spouse, who recently remarried and changed her name. I was unaware she had not yet changed her name on her bank account. Instead of contacting me to sort it out, Bank of America took {$45.00} out and bounced the remainder back. I called and tried to sort it out over the course  of two phone calls totaling 40  minutes. At the end, I was told the wire department would not speak to me because I 'm not a Bank of America account holder. I am, in fact, an account holder. I had no way to know about their fees, and they had no right to take the money from me without a signed agreement from me. A simple phone call or email would have solved things, but they too k the low road on this one.

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 08/18/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at, owned property or received mail at XXXX XXXX in XXXX, Arizona.

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 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian refuses to correct inaccurate information dispute court documentation

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 06-03-2017 about Payday loan, title loan, or personal loan (Installment loan) with Monterey Financial Services LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I went to finance a puppy for my family. I have fairly good credit and I bought this dog to surprise my children and wife. The pet store recommended a financing company they said was great to use. I applied and was approved, and they said my interest rate was low due to my good credit. I signed the paperwork digitally, and this filled my signature in all over a document and that was where the nightmare began. They sent me a copy of the contract and it said I LEASED this dog and I did n't own it unless I pay it off early in a lump sum of XXXX, or I make 24 payments of {$170.00} and then a final payment of {$260.00} to own the animal ( roughly. ) In the pet store I paid {$170.00} which did n't go towards my financing. <P/>I was told it was a LOAN and that I would own this animal. After looking up the financing companies this pet store recommended to me, I saw that they are all part of one big company called Monterey Financial. All in all after all the payments are said and done I 'll have paid somewhere around {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit System is trying to collect debit that I do n't owe them ... I never heard of this company nor have I ever did business with this company.I have never signed a contract with this company or have any kind of written agreement with this company ... I tried to dispute this several times along with proof or validation of this account..They look to have been reporting on my report or opened XXXX XXXX,2014 in  the amount of {$1700.00} ... I would like to have them removed from all 3 major reporting agency ( XXXX, XXXX and XXXX ) ... This is embarrassing to my report and hinders me from pursuing my dream of being a home owner ... Thank you guya for doing what you do!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX TransUnion, and XXXX keeps adding information to my credit report that is false, been deleted or not mine.

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 06-08-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (FL).
Issue: Trouble during payment process

Complaint: XXXX mailed mortgage payment for XXXX XXXX, 2017 ; XXXX/XXXX/2017-spoke to customer service rep at Seterus, Inc regarding payment because it had not been posted to account. CSR said give it at least 10 days. XXXX/XXXX/17-payment still not posted to account. at this point, I assumed payment was lost in transit and I put a STP payment on that check and authorized on-line payment from my Money Market account from a totally different bank. XXXX/XXXX/2017-payment posted to account, but funds not withdrawn from MMK account. I called Seterus again to enquire as to why. The CSR at Seterus told me it could take a few days before funds are actually collected. XXXX/XXXX/2017 I received a phone call from Seterus telling me my mortgage account was delinquent and how did I want to take care of it. I explained the chain of events that had already transpired with the payment. The Seterus CSR told me they were not able to collect the authorized payment because the account could not be found. I gave the CSR the MMk account info again and the payment was accepted. This puzzled me. I contacted XXXX XXXX to query the issue. I was told Seterus coded their payment request as a savings account instead of a MMK account and therefore were not able to collect my mortgage payment. Both parties acknowledge, no error on my part, but Seterus, Inc, the mortgage servicer has put the burden on me to provide proof of their mistake and has charged me a late fee and indicated that my mortgage payment was late. In 25 year, I have never missed a payment nor has it been paid outside of grace period. This is very unfair to me as a diligent consumer. XXXX/XXXX/2017 XXXX XXXX ACH supervisor again acknowledged coding error by Seterus but would not provide a written statement to that effect. My attorney suggested that I file this complaint to see if the issue can be resolved and my money for late fee is refunded and my payment record corrected.

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