milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: I AM FROM NEW YORK STATE On XXXX/XXXX/XXXX Ive reached out to someone XXXX XXXX sell my portion of bitcoin to. I found this person via XXXX. After talking through text for a few hours, we agreed upon $ XXXX For XXXX XXXX, the {$340.00} was to be paid by him via the cash app. 

This scammers number was a voip number. 

Initially I sent a small amount of BTC to him and he sent money via cash app. I figured it was okay to continue the rest of the transaction. 

Sent XXXX to him and that was it, i called texted and received zero response. 

Frustrated his has happened, I went back to the original XXXX ad. Instead of texting the number on the ad, I emailed instead asking to buy XXXX BTC in cash The original XXXX ad was set to XXXX, PA. I received an email response a few hours later from XXXX XXXX  asking if I was from California. I told him yes and began chatting on where to meet up to make the sale. 

I learned he is in XXXX, Ca, so I called the XXXX police department and explained to them what happened. A detective will be calling me back on a weekday to talk further. The officer I spoke to said its most likely can set up a sting to catch him. 

I have tried to call Coinbase but the dont have an actual phone number. 

I have called XXXX cash card and explained to them what happened, asking for the phone number of the person that scammed me. 10 days until they respond. 

I have records of all texts, transactions with numbers, his voip number, original XXXX ad as well as bitcoin wallet addresses I was giving by him. 

This is the original XXXX ad XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Upon calling what I though was my existing mortgage company XXXX on the XX/XX/2015,  I was informed that my account was transferred to SETERUS INC. on XX/XX/2015, but I never received a letter informing me of this change and therefore had sent to XXXX XXXX payments XX/XX/2015 in the amount of $XXXX XXXX check number XXXX and XX/XX/XXXX in the amount of XXXX (customer service representative could not locate a check number for XXXX payment) which XXXX says they forwarded to SETERUS INC. on those dates.

My complaint and deep concern is that I have NOT received any "welcome" letter from SETERUS Inc. giving me my new account number and any other information that I will need to communicate with this company and therefore have no way of sending in my next payment before it become late, which I am sure is a tactic used for collecting late fees.

This company has purposely decided to make it impossible to contact.  They have only XXXX published number, which they never answer, since I have been trying for over a week now.  Also, they do not respond to emails sent to them and I can not log into its website, because I do not have an account number, which is a required piece of information.  I do not know where to write them via U.S. snail mail and that would take a lot of time, being that I just discovered that my account was transferred and again, I have no account number to attach to a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Checking or savings account (Checking account) with Comerica (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am still waiting on a reply from Comerica and have yet to  get one an d I have waited at least 2 months for their final determination. Case number previously submitted -  XXXX . It would be appreciated if you could find out why she has never contacted me again since I sent her to information that she requested including a copy of the check that was issued to me as a cashiers check! I guess they figured that I would forget and that I would not continue to pursue this. I want a final resolution and my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with U.S. BANCORP (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made a numerous attempts in trying to get Elan Financial Services to validate this debt that they say I owe {$15000.00} On   XXXX   I mailed a certified letter  XXXX  and on  XX/XX/XXXX  and certified mail  XXXX  I mailed a certified letter  XXXX  to Elan Financial services and I confirmed that both were signed for. I requested that they validate this debt that they say I owe and in validating this debt I am requesting competent evidence bearing my signature showing that I have or ever had some contractual agreement to pay. And asking them to comply with the FDCPA if they can not validate the debt then they must delete it. Well they have yet to validate this debt. On  XX/XX/XXXX  I contact  XXXX  certified mail  XXXX  sending them proof that I have disputed this debt with Elan Financial Services but they refuse to validate the debt or delete it. On  XX/XX/XXXX  I got the confirmation of the dispute from  XXXX  #  XXXX  and I noticed that not only did they not delete this debt that they can not verify but they violated the FDCPA by not marking it as " disputed '' within 30 days as you will see on my the attached results. This violation is {$1000.00} in damages owed to me for this occurence

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 01-10-2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have two accounts with Td. They are both being closed. I have been a customer for 8 years. I asked corporate i I can send wires international. They said i can send as many as I want. 
I had recieved two wires in XXXX.. A {$3000.00}, {$1800.00} wire. They were put into my account before XXXX XXXX and taken out of my account. XXXX XXXX said they were handling it. My attorney called twice he never got a call back. They belong to XXXX and XXXX told me to have them call him. He does n't return their calls. He then intimadated me yesterday XXXX XXXX. He said to stop calling the branch managers and said have their banks call him in an aggressive tone of voice. Which they did. He does n't call them back or return their money. Professionally he should have reversed the money already. It 's been four weeks and both wires are missing and not returned. TD corporate said XXXX XXXX of XXXX XXXX has all the control. Good customer is not going on. I should not have to chase this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I opened a checking account at BBVA Compass. A few days later they closed the account without warning. I had n't yet used the account other than successfully depositing the required {$25.00} opening deposit. As of XXXX XXXX, 2017, they have yet to return the {$25.00} to me. Despite my three phone calls made to BBVA, they have n't made any attempts to give me back my money or give me an estimate for when I should expect either a mailed check or when I can go into my local branch to have the funds returned to me in person.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a XXXX dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been XXXX XXXX XXXX XXXX but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from XXXX XXXX XXXX XXXX, representing Pendrick Capital Partners LLC who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. Pendrick Capital Partners LLC 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX XXXX XXXX XXXX XXXX is asking me to pay them {$880.00} which is likely the original bill for the ambulance. They have sent me XXXX paper debt collection letters, XXXX in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the XXXX XXXX due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV FUNDING LLC- is attempting to collect debt indicated on my credit report acct # XXXX, which it claims I owe {$490.00}. I have sent LVNV Funding two certified letters on XXXX/XXXX/16 ( received on XXXX/XXXX/16 ) and XXXX/XXXX/16 ( received on XXXX/XXXX/16 ), asking to validate the debt that it claimed against me. LVNV Funding failed to provide validation of debt and simply replied the debt is owed by me. Without validation of debt bearing my signature, I asked LVNV Funding to remove their derogatory remarks on all XXXX credit bureaus but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made my payment on time and I got the next credit card statement telling me to destroy the credit card and that I have to pay a late fee. When prior to doing the XXXX XXXX it was stated that as long as I did it today I would not have to pay late fee. I made the payment on time and they seem not to care at all. I talked to XXXX XXXX they said it was urgent payment meaning in 15 mins not 3 days.

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 05-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery continues to report a debt on my credit report that does not belong to me. They are calling and harassing me to to pay or settle an account that does not have my social security number and that belongs to a business called XXXX XXXX. I have never given XXXX XXXX expressed or written permission to establish credit with my social security number. I have written the credit bureaus and the creditor numerous times to remove this erroneous information from my credit report and to validate this account or to cease and desist from collection activities. I have yet to receive any validation and both Portfolio Recovery and the credit bureaus refuse to take any corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent letters requesting debt validation to Caine & Weiner in XXXX XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. In XXXX Caine & Weiner provided me with a document with my name and address and an amount that they saying I owe them {$170.00}. I responded in XXXX asking for more details. Caine & Weiner has not responded to any of my other letters however on XXXX XXXX XXXX this company placed a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with FBC MORTGAGE, LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: I 'm building a new home XXXX. We have had little issues here and there since day one. A major issue we are having is with the lending company that XXXX uses. There has been several discrepancies to the point where we decide to seek out our own lender to get a better rate. When we spoke with the seller at XXXX he said if we did n't use their title company they would n't pay our closing costs as promised, so we agreed to use the title company along with our chosen lender. We are now days away from closing and they are backing out of their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.

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 05-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is in the process of modifying my mortgage. Bank of America has misled me by charging me for services never performed. The charges make my true payoff significantly different than the true balance.

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Liquidation Services Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Liquidation Services is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I requested verification of debt on XXXX/XXXX/XXXX and got a response. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. After requesting the deletion, the company failed further contact and to remove the debt from my credit report. The company instead added more negative accounts to my credit report in XXXX in which I again requested a deletion of the accounts. The company failed to respond to the request and I had to dispute with the credit bureau instead to have the accounts removed from my credit report. Upon checking my credit profile on XXXX XXXX, XXXX I noticed the company has again added negative accounts to my credit report despite my previous disputes and verification that I am not the individual whom owns the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 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: Account information incorrect

Complaint: Child Support is being reported on my credit report like it is a loan. I did not receive any money from XXXX XXXX XXXX so why is it being reported as a loan. There are already state services that can be revoked by not paying child support. That is there jurisdiction. Credit is not.

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 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with Continental Finance Company, LLC (GA).
Issue: Customer service / Customer relations

Complaint: hello we have a card with company we where never late XX/XX/XXXX we had an emergency my father passed away and i had to leave out of the country but calle this company and informed them but they still charged me the late fees and reported me as past due to credit agency

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 06/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in the process of a loan modification with Ocwen Loan Servicing for about 2 years. I keep submitting application packets with all the documents requested by mail, e-mail, and fax all this time. I send one packet and Ocwen states it already expired and need to do a new one again and that some documents have been missing. I asked myself if all the documents requested were mailed and e-mailed in the packet, how is that possible that you can find some documents and not others. Lately I have been calling like every other day to make sure they receive documents requested and they never receive it or they tell me you need XXXX documents so that we can close the modification and when I called back in 1-2 days they tell me that it was not those XXXX documents, that I need XXXX different new ones. We have a Dual Tracking Issue here. They keep extending the time, every time more and more so that they can have enough time and foreclose in my house. I already had a sale date back on XX/XX/XXXX which they cancel few days before. Now they have a sale date on XXXX/XXXX/16. Of course this is what they want, for me to loose the house because it is their best interest not mine. They have not helped me at all to get a modification. My intentions is to keep my house, which I purchase 16 years ago. Sometimes unexpected things happen in life, such as divorce, illness, caring of an ill person, death of a loved one, unemployment, like happened to me in the past 5 years and now a bank that is lying saying that I am not submitting the documents requested because they want to stay with my house to sell and benefit from it. They continue to give me a hard time and do not want to work with me on saving my house. Thanks anticipated for all the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Balance transfer fee

Complaint: I have this card since XX/XX/XXXX with the initial balance transfer of {$450.00}. I have paid on time never late. I do n't use it unless it is emergency, not checking my statement. I did not realized that I was still being charged for the balance transferred since XX/XX/XXXX. I also did not realized that my monthly payment did not go towards the beginning balance transferred. I also did not know that I was charged with the interest of 23.24 % each month to this day XX/XX/XXXX of {$8.00} per month. How will I ever pay this off? If non of my payment goes to previous balance. Why are they splitting the payment to purchases and not toward the initial balance transferred. I think this is so unfair not to apply to the oldest balance first.

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