milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Money was not available when promised

Complaint: On XX/XX/2017 at XXXX XXXX, I gave Coinbase {$350.00} for one Etherium, a cryptocurrency. Apparently the expiration date on my credit card was incorrect, and I was not charged the total amount. Their service stated I still owed a {$47.00} fee. What followed over the next 8 months was a saga of me trying desperately to pay this stupid fee with every way I could ... Credit, debit, ACH, friends transferring crypto. I had several support tickets, and followed every instruction. Nothing worked. For a few months, their website said that I " still owed a fee of {$0.00} '', which was especially frustrating. A few weeks ago, I was finally able to successfully pay the fee and use the service again. However, they still haven't returned my 1 ETH, valued today at XXXX {$800.00}. Please help! They took my money and are not giving me the asset I paid for! 

My current support ticket with them is # XXXX, which I opened several weeks ago. They have not replied to my multiple requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Certified Credit & Collection Bureau (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX paid for the debt and the money that they are collecting is more. In addition, the original debtor is trying to collect the difference not paid by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with FirstPoint Collection Resources (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Attempts to collect fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with EOS Holdings, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that. 

Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount. 

Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Medical) with Navient Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2015 I received a letter from a collection company regarding a bill for ambulance service with the City of XXXX. I offered to set up monthly payment arrangements of {$30.00} a month and the balance was {$250.00}. I gave them my banking information to debt my account each month for {$30.00} until the balance was paid. The agreed that this payment arrangement would avoid the account from being reported to the Credit Bureau ( s ). I never heard anything else from the collection company. I received an email that I had a change in my credit report and discovered that, despite our agreement, they reported the account to XXXX. I called the company and they were not willing to remove the negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not comprehend why the debt is charge at my credit without any warnings or without knowing is the person is on the country at the current time. I realize that I owne this money because I check my credit and it was afected without a notice. Another reazon is because I call about the statement and they told me it was my wife. So I do not comprehend how I got charge being a XXXX client and 90 days before getting XXXX which means XXXX should cover her a 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry on my credit report that I did not authorize from XXXX XXXX XXXX dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Other mortgage) with Seterus, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on the loan payments XX/XX/XXXX. XX/XX/XXXX I made an attempt to pay all back due payments. I was told the loan was in default. Important information concerning the loan status had been sent to the physical address instead of my mailing address so I was unaware of the default status and unaware that I had been approved for a Modification offer because this information was sent to an address other than the office where I receive all mail. The physical building is a small apar apartment with XXXX units and I do not live there. I sent written correspondence dated XX/XX/2016 explaining the situation and asked tha to be taken off default status and allowed to pay my loan current. 
My request was denied by letter on XX/XX/2016. I was informed that if I wanted to keep the property, my option would be to apply for a loan modification. I sent all documents requested on XX/XX/2016. 
I waited because Seterus, Inc. told me it would take 45 days to process. 
I called Seterus offices several times to check the status of the modification. I was told each time just to keep waiting that they had all documents required and that I was in process for modification. Finally on XX/XX/2016 XXXX XXXX, who is a representative at Seterus told me that our documents were not in process because they needed more information. She said it was a mistake that I was told otherwise. I again submitted more documents on XX/XX/2016. 
I waited again and each time I call to check the status of my modification I am told something completely different! I do n't know what is going on. 
I am not permitted to speak with anyone other than a service representative. There are no supervisors and I am not permitted to speak with the loan modification specialist. I want my modification package to be reviewed and accepted. It is their error that I am in a default status. They sent important documents to the incorrect address where I could not possibly receive them and therefore I did not respond in a timely manner. I do n't know how to communicate with them because each person I speak with tells me something different!

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested for Transunion to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 NationStar sold our XXXX loan. They will not tell me anything about it. I just saw in my online account there was a non cash adjustment for the amount of the loan. I tried to make a payment and I ca n't. They wo n't tell me even why I ca n't make a payment. My son an accountant told me it was sold. It was sold on XXXX/XXXX/15. I have no information as to who bought the loan and where I need to make a payment. This account has been frozen by Nationstar due to them buying it from XXXX XXXX XXXX and not getting the modification papers. I sent them 4 times. Someone finally found them so I know they had them. They sent back payments when we tried to pay the loan payment. The said to make a payment XXXX XXXX. We tried and they would n't take a payment. Now I find out why, they do n't have the loan to pay. ( I have a letter from Nationstar telling us to make the XXXX XXXX 2015 payment ) I need to know who has the loan and where to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to TransUnion on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from TransUnion that provides information about inquiries and to contact the creditors although, it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted TransUnion on XXXX/XXXX/2016,XXXX/XXXX/2016, and XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I was told I needed to contact the creditor each time and I requested a supervisor call and never got a call. So on XXXX/XXXX/2016 I was told by XXXX they were contacting the creditors for verification I have since contacted each creditor by phone and by letter. I have already contacted each creditor by phone and they directed me to mail a letter. I have not received a repspone from the creditors to date. I called on XXXX/XXXX/2016 and was advised no dispute was being processed that I needed to contact the creditors and I stated that I already did contact them and asked for a supervisor and they hung up on me. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.

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 06/27/2016 about Payday loan () with ACE CASH EXPRESS, INC. (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I have took out a small {$300.00} loan with ACE Cash Express, and since then made four payments of {$43.00} ; {$170.00} totaling to date the account is still has a balance of {$270.00}. I have contacted ACE and they are or no help, very unprofessional people work there who can not explain why my balance only went down {$25.00} for all those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Private student loan) with DISCOVER BANK (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In my previous complaints ( XXXX ) to CFPB the issue is still not resolved. Please see all this information provided in the other complaints. This response from XXXX is outrageous and does not explain anything. XXXX only explains that they changed the account number for their own purposes and that they have provided information on my variable rate. However, what they actually provided is information showing they closed and reopened my loan without my authorization, gave me information on my fixed rate simple interest loan, and gave no explanation as to why they changed my loan from simple interest to compounding. 

I do not have a variable rate and compounding interest loan!!! I have a fixed, simple interest loan and XXXX fraudulently changed my loan conditions in order to increase my payment and amount of interest I pay. 

Their response is not a response to the complaint I have made!!! I need the CFPB to investigated the information they provided in the response because it explains nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Customer service/Customer relations

Complaint: I had to close a checking account due to fraud. Since changing to a new checking account I have had repeated instances of having checks declined by Certegy Check Services. I contacted them for a copy of my file to explain why they were being declined and the file states " This transaction fell outside of the guidelines Certegy has established for authorization ''. I called them and they threw responsibility back on the store - because they just advise. They were not able to give me any reason for the checks being declined. In addition, one check was declined and then a month later approved - same checking account, same person. They did tell me not to let this experience stop me from trying to write checks.

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 02-03-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Credit decision / Underwriting

Complaint: Applied for mortgage with quicken loans went through process to underwriting. Under writing has problem with my wife who has disputed a bill in collection because she does n't owe the money and actually they owe her money as there should have been a credit on the account. It has been partially resolved but not fully. Quicken loans wants her to remove the dispute and recalculate her credit score which will put her bellow the banks overlay credit score of XXXX. This is a made up score by the bank as there is no minimum credit score required under the harp program. Since the bank required the removal of dispute we would be in agreement provided we could pay the outstanding amount since it is only XXXX dollars and then restore the credit. The bank refuses as they want the score to go down not up. That is how they can kill the loan so they do n't have to refinance us. All this for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my information : XXXX XXXX XXXX. Why is this still reported?

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 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last 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 08/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo Bank charged XXXX insufficient fee on a checking account when money was in the account to cover the XXXX transaction. At the end of the day customers account was in the positive and was thrown into the negative with a transaction that posted the night at close. They also received a deposit on the XX/XX/2015, allowed customer access to it the money which kept account positive. Then stated that there was not money in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX. <P/>I AM NOT RESPONSIBLE FOR THIS DEBT. <P/>*PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX, XXXX my Chase Freedom credit limit was {$4500.00}. Early in the morning on this day several purchases were made on my card which totaled over {$15000.00}. None of the charges over the {$4500.00} credit limit were declined and I was not alerted to these overages in any way. On XXXX XXXX, XXXX I spoke with a chase card customer service representative ( the gap in time here was due to a fraud investigation which I had thought would clear these charges ). When I asked the representative how my card was able to exceed the credit limit more than 3 times over, their answer was " I do n't know. '' After pressing further, I was told that one possible reason for this was that because these were multiple transactions made in quick succession the Chase system was not able to update fast enough and recognize that the card was over it 's credit limit. There were 7 charges made on the card over a period of two hours, each between fifteen and thirty minutes apart. If Chase 's system really takes more than two hours to update, this could leave many more consumers extremely vulnerable to large credit overages. The Chase representative also stated that some of their cards are able to go over their stated credit limit- some by a few dollars, some by a few thousand dollars- without clearly telling consumers about their cards potential to go over. I was also told that " some customers '' are allowed overages but was not told how or why these customers were chosen - I was told that no one knows and that it is all completely up to " the system ''. The highest number that I was told by the representative that a particular card and chosen customer could overspend was {$7000.00}. While this is still in my opinion an extreme amount to be allowed over a credit limit, it is still far less than the additional {$10000.00} that my card was allowed to be charged. This appears to be a very big problem with Chase 's system that could only benefit Chase in the end ( causing consumers to fall behind on payments or rack up interest ). I would like to believe that this is a glitch or problem with the system that can quickly be fixed but was not left with this impression after my phone call with Chase. After going back and forth with the Chase representative about possible solutions she was able to speak with a manager and eventually put a permanent limit on my credit card that will not allow overages of any kind ( at least this is what I was told ). While this sounds like it should be a good solution, with the system as it is I am not confident that this hold on spending will work if a similar situation were to occur ( several charges over a few hours time ).

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breech on X/X/2017. My sensitive personal data was compromised.

Company response to consumer: Closed with explanation