milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: On WED XXXX XXXX XXXX at XXXX XXXX, I initiated a transfer of XXXX ETH, then valued at {$840.00}, from my ETH Vault at Coinbase to my ETH Wallet. I received an email requesting my confirmation/approval of the transaction, which I gave. At that point, the transaction entered a " 48 hour '' waiting period. At the same time, had that transaction been conducted at the 49th hour of the initial withdrawal, the value at that time was about {$820.00} ( down {$14.00} ). If Coinbase maintains that I did not approve the transaction and have my identity verified until XXXX XXXX on THUR XX/XX/XXXX ( the date/time I received an " identity verified '' email from Coinbase ), then the value of the ETH Vault at that time was {$890.00} ( up {$55.00} ). On the XXXX of XXXX and on the XXXX of XXXX, after going through their abysmal Chat Bot and Support pages, I emailed Coinbase using their email function online to ask why my money is in limbo. I received a response in a separate bank transfer yesterday at XXXX XXXX  via email ( which I immediately withdrew back out of Coinbase and it is not " due '' to hit my bank until the XXXX of XXXX per Coinbase 's terms ), but NOTHING on this ETH Vault to ETH Wallet transfer yet. As it stands at XXXX XXXX on XX/XX/XXXX ( the date and time of my latest screenshot for proof - attached ), the transfer has still not been approved, and the " value '' now showing has dropped to {$590.00} for XXXX ETH, an artificial or forced loss of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with Empowerment Ventures, LLC (TX).
Issue: Deposits and withdrawals

Complaint: To whom it may concern I have been around and around with every service mechanism your company has available and I 'm really very disappointed in everything I 've experienced in the last few days. I did my taxes through XXXX, I have been told by your company Rep " The tax preparer must send it to Rush '' that is not the case. I have contacted the IRS twice and they have verified both times that they have sent my refund to which is your bank. 

The only thing wrong is my account number which the correct number is I have been told by your rep that " my account ca n't be located '', thing is it 's the same account that my payroll check has been deposited to since XX/XX/2008. This is absolutely and totally unacceptable. The refund was sent by the IRS in the amount of {$10000.00}, my personal information is as follows. 

I 've been told by your company representatives that the tax preparer will send the refund to you and that is not the case. The IRS sent it to the account information mentioned above. 

I 'm sending you my contact information in hopes that a human being contact me shortly in hopes to resolved this in a timely manner. My next step is to contact my lawyer and at this point I do n't think I want to be a rush customer anymore. Please contact me A.S.A.P. so that we can get to the bottom of this. Cell phone number, your file email address is. However please contact me using. Again if this is not resolved shortly I and my lawyer will be contacting Rush Card corporate offices first thing in the morning. Your prompt response and assistance with this matter is greatly appreciated. 

Many regards

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I get repeated calls for " XXXX '' from XXXX, Wisconsin. I am not XXXX, nor do I live anywhere near XXXX, Wisconsin. 
They call on almost a daily basis. Today when I asked them where they were calling from, they said XXXX and gave me some severe attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with Great American Finance Co (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. 

This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I paid for car repairs in the amount of {$2000.00} at XXXX XXXX XXXX XXXX XXXX with my Capital OneCredit Card. I found out they simply painted over a dent when they charged me to fix the dent ( the total repairs were {$7000.00} for a XXXX XXXX XXXX accident ). XXXX XXXX gave me a warranty with the repairs. I told them they charged me for a unibody pull and they did n't perform one, they simply painted over the dent in the right rocker panel. They refused to honor the warranty. I called Capital One and gave them all the documents they requested. Their foreign merchant dispute personnel did n't tell me what they needed, but I provided all required documentation and a merchant second opinion along with a second estimate for re-doing the repairs that XXXX failed to do. Capital one REFUSED to submit my documentation to MasterCard and would not extend the timeframe to dispute due to their own horrible foreign non-XXXX speaking customer service people who messed up the chargeback dispute due to their incompetence. I want to invoke my rights under the Fair Credit Billing Act - I will not pay the {$980.00} I am disputing nor will I pay interest on that amount. I want that {$980.00} removed from my credit card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equafax add inquiries to my credit report which cause long turn financial pause.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Vehicle loan or lease (Loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I lost my job twice ; once in XX/XX/XXXX and again in XX/XX/XXXX. During this time, I struggled to make my monthly car payments and fell behind by 5 months, total. I spoke with the XXXX, North Carolina State Employees Credit Union and they asked that I keep them updated on my re-employment status. I kept in contact with them and let them know when I was re-employed. They informed me of the outstanding balance, which was about {$2100.00}, for my vehicle and that re-possession would be implemented after my loan was delinquent for 180 days. I asked if there was anything that I could do to put off the order, but XXXX, the SECU representative informed me that there is nothing that could be done to help me. Following the discussion, I saved enough money to pay the full balance. Once I paid, XXXX sent me a letter, stating that my car loan status was current and noted that the next payment was due on XX/XX/XXXX. I made my car payment on XX/XX/XXXX in the amount of {$450.00}. I woke up on the morning of XX/XX/XXXX and my vehicle was not in my driveway as I left it on the night of XX/XX/XXXX. I spoke with the bank on XX/XX/XXXX and they said that the amount quoted to me earlier did not satisfy my loan. I asked why was this not communicated to me. I satisfied the amount that she quoted. She added that I would have to pay the repossession fee of {$370.00} plus a daily storage fee of

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Mortgage (VA mortgage) with Amcap Mortgage, Ltd. (TX).
Issue: Credit decision / Underwriting

Complaint: I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I HAVE SEVERAL CHARGES ON MY VISA CARD THROUGH BANK OF AMERICA THAT I NEVER DID BUSINESS WITH AND NEVER AUTHORIZE ANY OF THESE TRANSACTIONS. I WILL LIST CHARGES AND DATES AND AMOUNTS AND COMPANY NAMES. I DID REACH OUT TO THE CREDIT CARD COMPANY WHEN ALL THIS HAPPEN BUT THEY SPOKE TO ME SO MEAN I COULDNT BELIEVE IT. THIS IS SENIOR CITIZEN ABUSE AND I WANT MY MONEY BACK. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX ALL ON MY OLD VISA CARD ENDING IN XXXX PLEASE HELP ME GET MY MONEY BACK

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 10/18/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AllianceOne Recievables reported an alleged debt to the credit bureaus without ever making contact with the alleged debtor. FCRA allows a debtor 30 days to dispute a debt and request validation of the debt. This practice was not followed by AllianceOne prior to reporting to the credit bureaus. Currently I still have not had any communication with AlllianceOne either in writing or verbally in reference to the alleged debt. This act of reporting the debt without making any contact with the alleged debtor is illegal and violates Fair Credit Reporting Act statues

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 opened disputes with all  XXXX  credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. Equifax and   XXXX   have not removed this account from my report,   XXXX   has. I also do not have any contract with the collection agency that is listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested Transunion delete hard inquiries on my account that are not mine and send me proof. I sent in a certified letter requesting this information be removed and I called on the phone to no avail. They are stating they are mine and can not be deleted. I requested for Transunion to Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

The hard inquiries are XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX/XXXX  XX/XX/XXXX. 



Thank You, 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 07/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (KS).
Issue: Other

Complaint: I recently filed a complaint about American Express failing to accurately report my credit history. They state the account was transferred to XXXX ; therefore, I need to contact them about the problem. XXXX has clearly stated that American Express is responsible for accurately reporting the credit history while I was a member with them. This issue predates XXXX purchasing the account. So clearly American Express needs to resolve this issue. Please refer to the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting ( XX/XX/XXXX- XXXX and XX/XX/XXXXXXXX ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done. 

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to XXXX XXXX ( 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 09/14/2015 about Debt collection (I do not know) with FMA Alliance, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX XXXX from XXXX XXXX at XXXX is calling and asking for a XXXX XXXX. No such person resides at this number or residence. She attempted to be deceptive in giving her phone number and I was able to capture her true phone number on my caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (AZ).
Issue: Closing on a mortgage

Complaint: I was a Victim of Fraudulent activity With XXXX XXXX XXXX XXXX XXXX in the process of Real estate Transaction, FBI was involved Due to Real Estate Fraudulent Scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Filings and Claims Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a voicemail telling me to call back XXXX otherwise they would send my information to the DA for XXXX criminal acts.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with AFNI INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is listed on my credit report as a collection account with a XXXX balance. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The office of the Attorney general 's office is reporting i owe back child support in the amount of {$12000.00} since XX/XX/XXXX and i have had custody of my XXXX year old daughter since XX/XX/XXXX .I have tried  multiple times over the phone and visiting the local office and still they refuse to remove it from my credit report.I am having a difficult time getting hired by XXXX XXXX XXXX as well due to the high amount being reported being over the allowable limit of {$1000.00} in colloection 's by there company.So i am still unemployed pending this, and it has knocked my credit score down over 60 points also .I contacted Transunion and XXXX to dispute it as well and still have n't had luck through them either. My custody is pending a court order to finalize via the court 's, i would like assistance now to have it removed and i have over 13,000 dollars on hold for me since it 's being taken out of my child support weekly still. Thank You, 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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX I was declined for credit by XXXX XXXX XXXX XXXX as a result of a pull from " Trans Union ''. On XX/XX/XXXX I requested my report from trans union via snail mail but received no reply. I re-mailed the letter again on XX/XX/XXXX and have n't received a response yet. It is unfortunate that unless the CFPB intervene trans union will not comply with regulations.

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 03-07-2016 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother had XXXX and somehow because I was paying her bills they put the bill in my name. She had a XXXX and stopped watching TV and I can not get the installation documents from them or CBE who is arrogant and irrational. 

I tol d them this but they refuse to supply this. They sent me a list of charges after the acct was put in my name that proves nothjing. 

I want the imstallion receipt or want a decent settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX Please reference this case. 

There are a lot of misinformation given. After receiving your decision I called back Nelnet to get a better understanding of what happened in case I just was n't understanding. 

-The response on XXXX/XXXX/XXXX said that my per Diem was {$14.00} but when I called Nelnet the adviser told me my per Diem had gone up to {$14.00} and said that the report given to CFPB was not accurate. Same day response. 

-When I switched to a traditional payment plan they steered me to forbearance for over 30 days to allow the system to process and raised my back due interest to {$1700.00} as of XXXX XXXX. My payment will be {$530.00} which of that {$440.00} was going to be the interest portion and the rest was principle. I said I intended to pay {$600.00} per month and they informed me that any money above and beyond had to pay the back interest of {$1700.00} which means it will take me 2.5 years approximately to pay off that interest they steered me towards. 

I feel like I 'm in this situation due to them steering me toward the forbearance. 

That 's my issue

Company response to consumer: Closed with explanation