milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The reason I am filing a complaint against Equifax is because they have ignored my request to provide me with the documents they have on file to verify the account I disputed. Being that the 30 day period has expired without any verification of the account, It should be promptly deleted from my credit report as per the Fair Credit Reporting Act Section 611 ( 5 ) ( A ). 
Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Deposits and withdrawals

Complaint: Whitney banks failure to exercise ordinary care contributed to a customer 's loss, and there remain genuine issues of material fact as to Whitney 's compliance with its standard of care and what effect this had on forgeries that occurred with in the account. This case is one in which a bookkeeper 's malfeasance, and a bank 's incompetence, combined to deprive an elderly woman and her family of XXXX of dollars. Please see attached document of case at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I d

id a wire transfer of {$8400.00} on XX/XX/XXXX to my Coinbase account. It has still not shown up to my account .... I contacted my bank which is XXXX XXXX XXXX to confirm the wire transfer went through that same day I submitted it. I contacted their bank XXXX XXXX and they received it that same day and posted it to Coinbase that same day. They told me now it 's just on Coinbase end to post it onto my account however there is still no money in my account .... Their website states it normally takes 2-3 business days for wire transfer. Today is now XX/XX/XXXX. I 've tried contacting them numerous times and never got a live person or a response until yesterday on XX/XX/XXXX when I spoke to a manager who could not give me any info besides they 're escalating it to a specialist. After speaking with him I started doing research and discovered there are tons of people that are going through the same problem that I am and have not gotten it resolved it months.

Here is a link for proof : XXXX XXXX XXXX/ I started a service request with my bank to get my wire transfer back on XX/XX/XXXX. My bank said they 're now waiting on Coinbase 's bank XXXX XXXX to send me my money back ... still nowhere to be found. I contacted Metropolitan bank and they said they 're waiting on Coinbase however still have not heard back from them. I am worried about them even sending my wire transfer back because many people complained about how their money never showed up after they told them it has been sent back ... This was meant to be an investment however it has set me back by XXXX of my hard earned money and now I 'm on the verge of being homeless because of this. Please help!!! My bank XXXX is telling me they cant do anything, XXXX XXXX is telling me they cant do anything, Coinbase support is not existence. Please help me get my money back. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with JPMORGAN CHASE & CO. (MI).
Issue: Lost or stolen check

Complaint: JP Morgan cleared a XXXX for my federal tax return. The person had the same name but not the same information. Once I caught the error I notified JP Morgan Chase. They claimed to freeze the funds until they heard from the IRS but instead cleared it accepted payment and sent a paper check to the wrong guy.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had my first mortgage with XXXX XXXX modified in XXXX of XXXX with a XXXX Loan. I contacted my second mortgage lien with Citi Mortage in XXXX of XXXX to find out if they were going to modify my loan with the same terms. I contacted my Home owner 's support specialist at CITI XXXX XXXX at XXXX who stated that Citi Bank should have modified my loan automatically in XXXX with the same terms as my first Mortgage. She said it usually automatically done when they are notify by the XXXX. Citi Mortgage failed to automatically modify my first mortgage in XXXX and now are making me re apply for the XXXX LOAN and resend all new paperwork and application. I am worry because I understand that XXXX will expire in XXXX XXXX. My understanding with the XXXX rules is that the second lien should be modify as soon as the first mortgage is approved with XXXX without having to re apply.

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 04/21/2015 about Debt collection (Medical) with Smith, Rouchon & Associates, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never recieved a bill from this this collection agency or notice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A company called XXXX XXXX called my home number approx. XXXX weeks ago stating " XXXX XXXX asked them to collect a ( fraudulent ) delinquent collection of about {$150.00} from something I bought at a XXXX store in XX/XX/XXXX ''. I told them I pay my cell phone bill in full, there is nothing ever on there indicating anything purchased at a XXXX store in XXXX. Can not remember last time I was in a XXXX store. And they asked if my new address was XXXX XXXX. I told them I continue living in the house I bought XXXX years ago at XXXX XXXX. My address has not changed, so whomever account resides at XXXX XXXX is not me. Told them I 'll get in touch with them within XXXX week. They said they 'd wait XXXX week. XXXX days later they were again calling multiple times each day. Within a week I sent them a letter requesting confirmation of " such transaction and the XXXX months verification billing statement XXXX claims they sent me ''. Which I never received, because I never went to XXXX to buy anything. I get a letter from Experian saying " we 're contacting you on your new address. '' When I downloaded my credit report I find - even with the {$30.00} I paid them for a security freeze to protect me from fraud - Experian let XXXX apply a fraudulent new address to my name. I tried contacting Experian on all XXXX available XXXX numbers, but its a loop of never ending extensions that no person ever picks up. I tried putting in my credit card number to see if my credit score changed, and they blocked me saying I have to contact them with multiple proofs of identity by mail with a personal check. I went to their Victim Fraud page, click their hypertext link for " U.S. Postal Services Website Government Services '' which leads me to " USPS Links : File or Page Request Not Existent ''. I called the Experian number for " Immediate access to or fraud resolution professionals '' and it did not connect to anyone. 
It appears their claim to protect consumers paying for a {$30.00} Security Freeze only freezes out the consumer who paid for the service, while fraudulent companies are permitted to post any fraudulent collection data, and illegally change my address with no contact on any of this from Experian until After The Fact, leaving the consumer to clean up the fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX I received a call from Navient that I returned the following day while at work. The woman from Navient that answered my call told me that they needed the death certificate of my grandmother whom was my co signer on my loans. I understood that and said I would obtain this information. She then proceeded to tell me that my loan repayment plan - which I have been on since XX/XX/XXXX and have been making faithful, regular, payments in full without failure despite the hardship it costs me - apparently expired effective XX/XX/XXXX. She said that " If you answer a few questions I can help rectify this situation '' she asked me questions about certain monthly expenses I incur every month. I told her I was at work and could not answer these questions accurately without my statements at home. She insisted I answer her limited questions and I did so. She then tells me my " new plan application '' is denied, that I no longer can pay the $ XXXX/month that I have paid since XX/XX/XXXX, and that now must pay $ XXXX/month on my loans. She quickly noted that I can not appeal this determination. I was irate and went home and called Navient back with my expenses in front of me. XXXX ( Employee # : XXXX ) told me the same information and stated that unless I provided Navient with 3 months of bank statements, I can no longer pay my usual amount. Time and again I have told Navient that I simply can not afford to pay anything more than $ XXXX/month on my loans or else it will create a severe financial hardship upon me ( which it did the first time Navient misinformed me about my loans ). This has fallen upon deaf ears. I am a recent college graduate and earn XXXX / month. I incur {$1400.00} in expenses each month and that does not include the {$450.00} for my loan. After I pay my loan, I 'm lucky if I have even {$50.00} to myself to enjoy my life. I have nowhere else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: Sent Inquiry removal letter to Experian after trying to contact creditors to no avail. as Experian told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Experians customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these

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 01/25/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Equifax. So the debt was paid in full. But Equifax still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Fraud or scam

Complaint: MONEYGRAM ANF THEIR CLASS ADM INISTRATOR FAILED TO HONOR MY REMMISSION CLAIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Payward Ventures Inc. dba Kraken (TX).
Issue: Money was not available when promised

Complaint: XXXX, a crypto currency exchange, refuses to return {$32000.00} to me. I am Tier 3 verified and supposedly have {$25000.00} daily {$200000.00} monthly US Dollar withdrawal limits. 

I tried to withdraw {$25000.00} on XXXX XXXX, XXXX. After that failed I tried again, with a lower amount ( {$20000.00} ) on XXXX XXXX. Again I was denied. 

Yesterday, I received the explanation below : " The reason your transaction failed is because it is above the annual USD transfer limit of $ XXXX. 

This limit is put in place by our USD funding partner due to compliance restrictions, and is not the same as the limits permitted by XXXX at Tier 3. We are currently working to increase our funding limits and are hoping this will roll out within the next month or so. 

Since you intend to deposit or withdraw large amounts of USD, you might consider our Tier 4 or Corporate account options. Otherwise, you can withdraw your funds as crypto. '' How they can claim to have a {>= $1,000,000} annual US Dollar withdrawal limit on their site when the actual annual limit is only 2 % of that. It feels like theft to me.

I pay all applicable taxes, comply with all applicable laws, have nothing to hide, and applied for the " Tier 4 '' option as they requested, but my money is still held hostage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Shopping for a loan or lease

Complaint: I went to the Well Fargo banks web site to get information on refinancing my current auto load ( Well Fargo web page attached 3.83 % if a banking customer ). When I went to the bank I told them specifically I wanted to # 1 lower my interest rate on my other car loan ( 4.99 % Note : not with WF ) and # 2 also wanted to put more money down to take out a smaller loan amount ( XXXX more down ). I told them my XXXX score was in the low XXXX 's ( Note : I was within XXXX points of what I told when they checked my score online ), I provided the last 2 years of XXXX 's to prove income of over XXXX. I have no debt other than the car loan and own XXXX houses outright. I stayed there at the Well Fargo bank for 3 hours and at the end of the process they came back with a 6.6 % APR on a loan of XXXX. They told me I needed a XXXX score in the XXXX 's to get the web 's lowest advertised rate. One would think that before they financially damaged me by lowering my credit score ( credit check ) to do the application they would have said I needed an XXXX+ XXXX score to get the false advertised rate that XXXX could n't meet the criteria for. I believe that the ad saying " must have excellent credit '' is totally misleading and should state the XXXX score they are looking for. I feel that it was like a bate and switch scheme to get you to come in so that they can sell you a product that does fit your needs or goals, even when you tell them upfront what you are looking for. Plus they did financial damage by lowering my XXXX score for this waste of time! They could have given me an answer within 30 minutes that my XXXX did n't meet their criteria for a lower rate than what I had. Well Fargo seems to have reboots that just punch numbers into the computer without knowing the product they are selling nor what the underwriting department is looking for in terms of a simple XXXX score. They should have a simply computer worksheet to plug in the numbers to get an estimated quote without checking you credit first or going thru the complete application process. People that come in to refinance are not there to get hidden higher rates as WF tried with myself ; a smaller loan with a high 6.6 % rate I do n't win there yes lower monthly payment due to me taking out a smaller loan but higher interest ; I end up paying more in the long run ( very deceptive practice ) if you are not savvy to catch it.

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 07/31/2017 about Debt collection (Other debt) with Affiliated Acceptance Corporation (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2009 I joined XXXX XXXX XXXX in XXXX Indiana. About a year later I moved to XXXX which did not have a club with the same company so I could not continue my membership. This was turned over to collections and I made over 20 phone calls and finally the owners son was able to help me by finding my cancelation and he got the calls stopped and it did not apear on my credit. Now the company Affiliated Acceptance corp XXXX reported to my credit. The business is closed and they can give me no way to contact the business to get proof I canceled properly and they refuse to take it off my credit. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington mortage company bought my load from XXXX XXXX XXXX. I 've been making my payments through them since XXXX. Always on time, never late. They have still yet to report my payments to the credit bureau and my credit score is dropping because of it. Also, they Increased my escrow by XXXX $ and I have no clu why. I ca n't get anywhere over the phone. I sit on hold for an hour and eventually get told to call back, all supervisors are busy. I 've asked repeatedly for someone to call me back, I have yet to get a returned call. I need help. What do I do? How do I get my historical and current payments reported to credit? How do I figure out why my escrow increased when my insurance stayed the same.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Attended a XXXX school for XXXX XX/XX/XXXX. We were never given cost of tuition for the course, however the loan department frequently pushed grant and loan applications at us. In the second year of school were were working entirely at our hospital locations without any campus time, yet we were still summoned quarterly to sign loan applications or face expulsion. Facing that I dutifully signed the loan applications, and six months after graduation determined I owed {$12000.00}. It was several years before I could afford paying the loans, everytime XXXX XXXX would push for deferments on the loans, even when I asked to refinance the loans, XXXX XXXX denied me, stating I had to go through them first. Then XXXX XXXX suddenly stopped talking to me entirely, instead going after my parents, being co-signers on the loan. I had n't heard whether my parent made any arrangements with them, and it has been eight years since I last heard from XXXX XXXX. However, after my father died XX/XX/2016, I suddenly began getting notifications from a Navient group, stating I was over 6 months behind on my loans, and that they had added a whopping {$30000.00} in interest to my debt, even though I had never heard of these people, and the last I heard my parents were supposed to be managing the loan by at least making interest payments. After my mother died XX/XX/2016, a company called Student Assistance Corporation sent me a single letter saying my loans were overdue, with no balance, no payment history, no explanation as to why no one had contacted me in a decade. Navient had harassed my employer to the point our human resources officer had to get involved to stop them earlier this fall, and now Student Assistance Corporation calls my home phone a half dozen times a day and does n't leave messages, nor follows up in writing with their attempted communications, nor have they sent me any other documentation beyond the one letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a letter from ARA, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, at my father 's address which I do not live there and have not lived there since I was XXXX yrs. old. Also, it is mailed to a name that I have not been legally under for over 10Yrs. 
This is debt is over 20 Yrs old and was written off/ charged off and the balance that they are trying to collect is completely fabricated

Company response to consumer: Closed with explanation