milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: My Coinbase account had verified my XXXX checking account and identity years ago. Recently after logging in and moving Bitcoins from my wallet to my vault I tried to move them back to my wallet. The transaction has been " waiting on approval '' whatever that means, for over a week now. I opened a ticket with their " support '' bot six days ago and have only received an email that says they got my request. No follow up, no contact. I found that one of the few things I could do in my Coinbase account was verify my bank account ( again ) so I thought maybe since it had been a few years I might have to do that. I started that process. They verify your account by sending two small sums of money. Usually a few cents. You then verify your account by verifying the amounts after you get them. They say it could take up to three business days to get the amounts. It has been four business days since I began that process and I have no small deposits in my account. I am frustrated because Coinbase " support '' does not support the customers. They do not respond to service tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a credit card account from XXXX from 10 years ago or longer. Portfolio Recovery Associates, is somehow renewing the timeline to an earlier date from XX/XX/2012. From a debt long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY ().
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX submitted her debit card information to XXXX  credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.

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 06/26/2015 about Debt collection (I do not know) with Transfinancial Companies, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX Credit Card Account opened XXXX and closed and paid in full XX/XX/XXXX. As of today Transunion Reporting Agency has my account in a negative status. This account always had a positive reporting on Transunion. Now like I stated their is negative information showing on Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with Financial Data Systems (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.

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 01/20/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I do not think my loan company is properly applying my payments. I have asked multiple customer service reps for a history of my past payments and a breakdown of how my payments have been applied. I am repeatedly told that they have to mail out that information but I have yet to receive it. I think that my total and past due balance is lower than I am being told. They want me to make full monthly payments every 2 weeks and my balance does not seem to move.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with P.S.C., Inc (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.

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 Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Hello, i had a bank of America checking account, and had deposited my payroll check, and my girlfriend 's payroll check into ATM. Bank of America did not like this for whatever reason, and seized the money for 30 days+.Bank of America then closed my account. Sent me the money. And reported to a company called XXXX XXXX that reports risk analysis to banks and determines I am too high of a risk to have an account at any bank. I 've called the company and they said call bank of America. I am no longer a bank of America customer therefore they are of no help. So I 'm stuck with no bank account for the past 5 years.

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 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FLAGSTAR BANK, FSB (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, Flagstar Bank XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from XXXX. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?

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 06/30/2015 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (DC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have an account through CredX, which is collecting for XXXX. I 've received several phone calls where if I do n't agree to their terms ( I need flexibility ) then they start yelling, interrupting, and using tones that aggravate me when all I 'm trying to do is settle the best that I can. 

VERY FRUSTRATING.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2015, 60 days XXXX/2015, 90 days XXXX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am building a new home through a home builder XXXX. They offer financing but I wanted to shop around. I contact Quicken Loans to see what they can offer and the person I spoke with was very nice. After the app I was sent a intent to proceed that I had to sign and give my credit card info. I did not want to give my credit card number but was told that if I do n't I can not proceed. I was assured by the loan rep that it will not be charged unless I cancel and Quicken Loans has already done/ordered the appraisal. Well XXXX3 week later Quicken Loans changed the loan structure without discussing with me. They changed the down payment, monthly payment, and terms without discussing with me. I called and e-mailed but no response so I cancelled the loan with them. They immediately charged my card {$500.00} for fees incurred. When I asked why they said for appraisal fees and credit fees. This is a new construction loan and the home had not even broke ground yet. I have called over 6 times to request a refund since there is nothing in writing about the fees and each person I speak with there says I need to call someone else to discuss the issue. I sent over XXXX e-mails also with no response back from the loan rep. Quicken finally refunded XXXX of the XXXX but will not refund the remaining or give me a reason for the charge or copies if the doc that I signed that gives them authorization to charge me that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX/XXXX/2015 I spoke with equifax customer service about having more than XXXX credit report. Equifax verified that I have XXXX credit reports ( Confimation # XXXX ). I was informed that equifax would merge the reports, but I had to fax a copy of my social security card and proof of address. A copy of my social security card and drivers license was faxed to equifax. Rep explained that it could take up to 90 days to complete the merge. 
On XXXX/XXXX/2015 I received an email from equifax stating that they could not merge the reports. The same day I filed a complaint with the CFPB ( XXXX ). Equifax responded and stated that they will merge the reports and that it could take up to 90 days. 
XXXX/XXXX/2015 called equifax to get a status of the merge. I was told that I need to fax a copy of my social security card and drivers license. This information has already been provided and verified. After verifying this information and informing me that the reports would be merged, it appears that nothing has been done. 
When I pull my report I get the same report each time, and ca n't see the contents of the XXXX report. I have no idea what information is being reported on the second report. As a consumer I should have access to any/all information being reported on these reports. 
I have been denied credit based on information obtained from equifax. Creditors base their decisions based on negative information that I ca n't see, and have no idea if it is valid or not. I have also asked that equifax mail me copies of both reports. They stated that they would mail the reports, and I have never received them. As a consumer I have the right to know what is on these reports, and the ability to dispute what may not be valid. I should be able to make a credit decision based on what my reports contain, and not what a creditor can see and I ca n't.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. Credco XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XX/XX/XXXX / XXXX XXXX XXXX Illinois XXXX Credit was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 2 Hard Inquiries XX/XX/XXXX - XX/XX/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 02/21/2018 about Debt collection (Medical debt) with Express Recovery Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Express Recovery, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2014. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief