milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I sent about {$2500.00} usd to coinbase to buy bitcoins from my bank account a few months ago. 

After a lost 2 factor device ( my phone ) I 've tried to contact them to regain access to my funds via ever possible method ( email, XXXX, XXXX, phone ) and they just do n't answer or reply with an auto message that does n't solve the issue. Other exchanges I 've used all quickly remedied the issue. 

At the moment these coins are worth about {$10000.00} usd and I can not access them. This is money I ca n't afford to lose. 

The one time I reached a real support agent after literally days on hold, they hung up the phone on me and sent an auto message that did n't solve the issue yet again and then did n't reply again on the phone or email. 

I absolutely need a reply from them asap to regain access to my funds. I have everything they could possibly need to verify my id, they simply do n't reply no matter what you do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I shared with this collection agency, that XXXX XXXX is attempting to collect a debt through them that is not valid. I am asking the company to verify that this a real debt and proof of where I agreed to sign a contract with this company to keep or store my stuff beyond leaving the XXXX XXXX. In addition, I need copies to the bills that that XXXX reported they sent to my house prior to collection for prior years ( which never occured until XXXX. I offered to give company settlement they stated XXXX would not accept. I was then told that the illegal debt from the original biller would be on my credit if not paid by XXXX/XXXX/2016. I offered to pay or make payment of something. I am requesting that this not be placed on my credit or deleted until this company sends the proof XXXX has right to bill me ( copy that I signed contract with them ) which never occured to keep storage etc. 

I am also asking nothing to be placed on my credit and removed immediately if placed until this verification and or agreed upon outcome with XXXX /settlement with agency has had time to respond or develope. Please also note that I wrote via email for this verification over three weeks, Southwest stated on email today he would send ( but later denied ) stating ok I will send the letter and verification you request, the later claimed I was stalling a bill and oh he mailed to my home over 30 days ago. but earlier in email he stated he would verify and send. Point is he is trying to collect a an illegal debt and he is refusing my basic right for it be verified specifically with a letter or copy from original creditor where I signed to place my items in storage and keep my items in storage for a certain amount each month or payment terms or something. ( they dont have record of nor does the orginal company. So instead Southwest is claiming lies that I am stalling payment when I told him that if an agreement is not made I will be forced to pay a illegal bill. I am here for one goal solve this!!!!!!!!!!!! 

Southwest cant verify either nor did they mail anything to my home, because my contract for storage or signed information with that company does not exist and after agreeing to me he would send he then changed his course and lied stating that he mailed out thirty days ago. If that were true why would I have requested in writing verification 2 weeks ago and today? really? 



Please note I can email to someone the entire email conversation with Southwest today. and copy a few statements to verify this I was unable to upload proof but I can email later to your address. 






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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On   XX/XX/XXXX     I went to  XXXX  and attempted to view my free credit reports. I was only able to view my   XXXX   report.  <P/> Experian gave me an unintelligible error.  <P/>  XXXX  said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.

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 07/25/2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Kimball tirey & st. john LLP, Had initially sent a wage garnishment to my employer, they garnished it and the amount on the wage garnishment was paid off. They are now trying to collect initial interest they claim is owed because they mistakenly left that out. My initial wage garnishment was paid and I was told that is all I needed once it was done I would receive the release and they would reflect it on my credit report. This has not happened and they are now trying collect more. My payroll department thinks that this is wrong and is concerned that they are collecting fraudulently. On top of that the I 've spoken to several people there that have falsely stated that they are attorney 's and when I 've researched them they are not. I am questioning their practices as is my employer. As my employer has had several wage garnishments from them for other employees and they have done the same thing to the other employee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I noted 2 unauthorized withdrawals from my checking account posted on that same day and I immediately notified my bank that same XXXXThe first was a " XXXX XXXX XXXX debit of {$2000.00} '' and the second was a " ATM XXXX XXXX XXXX XXXX XXXX '' debit amounting to {$980.00}. Both items bore " Pending '' as part of the description. 
On XX/XX/XXXX my wife and I called the bank and were told the only available person in authority to meet with was a person at a food store location. Briefly we were informed that we should " freeze '' the account and set up a new account, transfer the account '' s remaining balance and all monies would be returned soon or at least in 10 days. 
My balances were always shown in the original amounts but could not be transfered when I tried. 
Mant exchanges between the bank and us, none truthful or factual until we finally were notified that all monies had been returned to our account and NSF fees were changged in amounts. However, when I tried again to transfer, the notification was that the funds could not be transfered. Such remains the case today! XX/XX/XXXX as we prepare to again personally tomorrow XXXX. 
The bank involved is Associated Bank with main offices in XXXX XXXX, Wisconsin. Their authority advised that my funds would be held pending their ability to recoup fradulently removed funds. 
Amounts currently held in the " frozen '' account include Social Security and Private Pension funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the year XXXX I learned of a collection being reported by Pinnacle Financial Services. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After that investigation information about the account is being manipulated such as open dates etc., to extend reporting to cause me damage. Also this closed account is now reported in a manner to reflect as new delinquency each month which further damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on 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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has placed my credit file in the Office of Consumer Affairs. I can not view or see what is going on with any disputes. 

The company refuses to block the fraudulent information and every time I report it to the Consumer Finance department Equifax always request more time and never properly assist me with disputing the accounts and/or blocking the accounts. The company ( Equifax ) is not telling the truth about needing more time to research the dispute. The company is violating the FTC laws and trying to cover up things with the Consumer Finance Department as if they have my best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Franks Adjustment Bureau, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I received an  XXXX  alert stating that I have a new collection fro m Franks Adjustment bureau in the amount of {$480.00}. I have no knowledge of this account, I have also never received any correspondence regarding this account. I did some research also and I was unable to also confirm that this company is allowed to collect in my residential state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced under the Home Affor. Act several years ago w/Seterus. My payment later went from XXXX to XXXX ( temporarily to catch my escrow up ). That was several years ago. Now, they 're raising it again to XXXX, even though I have a fixed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: Rush card will not activate my card they keep transferring me than hanging up on me I have been on the phone for hours I do n't feel it fair I need my money that they are holding I 'm forced to go to payday loans to pay bills and get gas to to work and feed my family I ca n't get my medicine no moneys

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is PNC. I have been a homeowner for 16 years with them and have never been late on my mortgage. I have my insurance and taxes as part of the escrow. A few years back I contacted them to see if I could refinance to get a lower rate. They sent someone out to the house, charged me XXXX and then told me that i could not refinance and my house was only worth a certain amount. The town in which i lived had the house assessed at double what the mortgage company was telling me my house was worth. Fast forward to this year, I asked the mortgage company if I could apply for a deed in lieu or a short sale due to the reasons of my husband passing away and my working in another state and the house sitting empty. At first, they told me that I was approved for a deed in lieu, took a lot of information from me and then the whole summer is spent with me putting my belongings in storage, all the while waiting for them to give me the next step of directions, only to be told at the end of the summer that i do not qualify for a deed in lieu or a short sale because my mortage is current. I told them that I had a letter proving that they told me that i had been approved and of course the mortgage is current, because I wanted to do the responsible thing and was awaiting to hear from them to tell me to stop payment. The person I was speaking to told me that they would not ask me to do that, even though I believe that would have been the only way I might have been approved. As I am trying to move on with my life in another state, I find that my hands are tied to seek out another home to buy. they sent me their official letter stating their reasons for denial and an address and number if I wanted to complain. The number was not yours. I found out about you through the article in XXXX magazine. I have spoken with a friend here in Maine who is a real estate lawyer and she was surprised that they had approved me for the deed in lieu. She suggested that i put the house on the market for the amount the town has it assessed at. So now, I get a copy of my mortgage statement which they send every month, even though I have direct deposit to them and as I am reading the breakdown on the statement, it says that my monthly payment of XXXX was received on XXXX/XXXX/2015 and that the payment to the principal was only XXXX! How can that be? My monthly payment is paying more for interest, insurance and taxes than the principal! Something is not right here. I would appreciate some advise and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( 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 12/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Follow up complaint. 
From my previous complaint regarding Portfolio Recovery Associates, they sent the documents requested. From my previous complaint, I stated that I was never told about this collection from their company and their intent to place this account on my report as a negative account. When I received my free annual report in XXXX, thats when I became aware of this insertion onto my credit. According to my XXXX report, this insertion was first reported to this bureau on XX/XX/XXXX. After reviewing the last payment documented as requested, the last payment was recorded XX/XX/XXXX bill, meaning the last payment was in XX/XX/XXXX.XX/XX/XXXX This account was outside of the statute of limitations when it was placed on my credit report. This company knowingly inserted an old account with intentions of ruining my credit. Furthermore, they never contacted me regarding their intent.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX, XXXX, I entered a written dispute with XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX ( balance reported - {$11000.00} ) as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXXXXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. XXXXXXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state Division of Financial Services in Florida indicates that XXXXXXXX XXXX XXXX XXXXXXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to XXXXXXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt amount is false this account was paid and when I returned the equipment i was told I had a XXXX balance and now after 5 yrs this other compamy call convergent is saying that I owe XXXX XXXX I asked for proof and this statement that was sent to me is false, it also does not show that I had recieved credit for equipment that I returned and the service date is wrong, they sent me bogus statement.

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 11/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX purchased junk debts - Debts were discharged in Bankruptcy 2011 They have reached Accounts - Changed dates Inflated amounts They refuse to correct

Company response to consumer: Closed with explanation