milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: On Thursday XX/XX/XXXX XXXXXXXX XXXX CDT, I wired {$5000.00} from my bank account to the Coinbase Intermediary bank, XXXX XXXX XXXX in New York. I sent this wire from XXXX XXXX XXXX in XXXX XXXX Texas. The following day, XX/XX/XXXX Coinbases intermediary bank, XXXX XXXX XXXX in New York, confirmed receipt of the wire transfer and confirmed that it had been credited to Coinbase, under the correct instruction ( XXXX ). I can provide you with any documentation needed to verify this information I have made no less than 6 attempts to contact coinbase through their customer service portal with no response at all. I also tried to call the company but there is no phone number provided to make contact. I then Emailed directly to their " wire transfer '' department on Saturday XX/XX/XXXX and again NO response. This wire transfer is supposed to be immediately credited to my USD wallet in my Coinbase account. It is Monday XX/XX/XXXX and I have not gotten my money credited. I had a time sensitive business purchase to make on Sunday night XX/XX/XXXX and there was a one hour window for me to complete my purchase through my Coinbase account. My Company missed this purchase opportunity and now it will cost me 10 's of thousands of dollars in revenue. I have read at least 50 postings on various websites and forum 's where Coinbase appears to be deliberately withholding customer funds on wire transfers. Coin base is operating in the USA as an " Exchange " and is governed by US securities laws. This situation looks dangerously like " wire fraud ''. Thank you for any assistance you might provide in helping me recover my misappropriated funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXX and I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you

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 08/17/2016 about Debt collection (I do not know) with Weinman Acquisition Group (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: To Whom it may concern : XXXX XXXX from Weinmamn Acquisition Group called me today XXXX XXXX. He stated that I owed a debt that I told him repeatedly, That i had not taken out. At the time i allegedly took out that debt I was XXXX years old living with my mother. I never took out any debt or credit until i was at least XXXX. Despite the fact that I adamantly denied being responsible for this debt I felt pressured to sign the repayment agreement that he sent me because of his threats and coercion. I was told that if i did not sign it a sheriff would show up at my house and i would get judgment put on my name. I was told that i would have a judgment placed on my credit if i did n't sign regardless if it was my debt or not. He continued to threaten me. And even told me that he talked to the attorney to see if they would settle the debt for XXXX, even though i said i did n't remember opening this and I 'm only doing this because i want my house and i do n't want a judgment place on my name. Thinking i was going to get sue and have a judgment place on my name and threats of having attorney sent down and it would cost me close to XXXX. He even said though this is not my debt, its my best option to settle for XXXX. 

After speaking to several people in the financial industry who told me about the debt collection process and my rights in this area i was told to file a complaint with this bureau. I signed that repayment agreement under duress. I contacted the company that i had the alleged bad debt with and they confirmed that I did not owe them anything. I felt that i was lied to, threatened and manipulated. I want the agreement that i signed revoked because i only signed it based on untrue threats and manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX - Disputes were sent on to Trans Union and XXXX regarding numerous accounts that should not be on the credit file. After 30 days, even longer, no investigation results were sent out, no new credit report, and nothing was removed from the credit file. I have again re-submitted disputes to Trans Union and XXXX once again to get this problem solved immediately. As a consumer it is my right to request the credit bureaus to verify information on my credit file that I am disputing. Since XX/XX/XXXX, nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I, XXXX XXXX sent dispute to TRANSUNION to discontinue reporting false info on my credit file hurting my creditworthiness. An investigation was done and the credit bureau says the debt is verified by the collection agency. The collection agency received my dispute and concluded that they donot have any info in their office pertaining to XXXX XXXX or the SS # associated with 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 02/17/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (TN).
Issue: Application, originator, mortgage broker

Complaint: I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was not properly protected by Equifax and I am now at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: Applied for a mortgage on a property ( no existing mortgage, no other liens ). Property was assessed at {$440000.00}. Loan amount of {$150000.00} denied because " Value or Type of Collateral not Sufficient. '' Dishonest banking practice throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company , Seterus , Inc  XXXX , consistently charge an amount that is n't consistent with my records, claims that I owe additional charges in excess of {$2000.00} and refuses to provide any itemization as to the additional charges. The monthly statements consistently reflect an amount in excess of what I feel is owed. The principal amount is questioned. I wrote the corporate office to advise and request the same and have not had the matter addressed to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: Adverse account reporting incorrectly on credit 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 explanation
Consumer complaint received 08/17/2016 about Debt collection (Auto) with Sierra Credit Corp (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Both the amount and manner of the communications was inappropriate. The caller misrepresented the rules governing our agreement and the tone bordered on threatening.

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 05-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with RFNA, LP (SC).
Issue: Charged fees or interest you didn't expect

Complaint: My problem is the interest rat  is 58.99 (  APR ) annual percentage rate, so it has to be divided over the life of the loan, it seems they just add  XXXX  to the loan amount I received,  XXXX . Even with more than minimum payments and an early buyout, they took close  XXXX  cents. That is almost 100 % APR. My savings even with large payments and buying out  8 payments  into a 15 month loan is loan sharking. It seems like funny math and calling it an annual percentage rate. It is  Republic Finance    XXXX   XXXX   XXXX   XXXX   XXXX   SC  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with Pacific Collections (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX ( XXXX ) is violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting collection account # XXXX without debt validation.

Company response to consumer: Untimely response
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Monday, XXXX XXXX, 2016 I am not agreeing to pay for errors made by Wells Fargo in setting XXXX sale dates for my property which when challenged led to the withdrawal of those sale dates. 

Wells Fargo has had to withdraw these XXXX sale dates placed on my property because they were in error when the dates were set and because they have mismanaged the servicing of my loan and my request for mortgage assistance. As the lender is well aware, they had to withdraw sale dates set for XXXX XXXX, XXXX XXXX and XXXX XXXX, 2016. 

I do not expect nor will I accept the costs associated with these XXXX sale dates to be added to my loan. I am disputing any charges for these XXXX withdrawn sale dates and expect Wells Fargo to confirm here that no charges will be made to my account for this purpose. 

XXXX WITHDRAWN SALE DATES A TIMELINE OF COSTLY DELAYS & MISMANAGEMENT In spite of the fact that XXXX XXXX XXXX XXXX XXXX ( XXXX ) had already pushed back a XXXX XXXX, 2016 sale date due to servicing errors and received written confirmation dated XXXX XXXX from Wells Fargo that I had until XXXX XXXX to provide documents according to a checklist they provided, Wells Fargo still set another sale date for XXXX XXXX, 2016. 

When XXXX challenged the lender 's basis for setting a third sale date, Wells Fargo withdrew the XXXX XXXX sale date. 

In. XXXX XXXX letter, XXXX XXXX XXXX states that no sale date was in effect when in fact her office had set a sale date for XXXX XXXX. On XXXX XXXX, she stated that only XXXX document was needed to complete my loss mitigation package and that document was provided to her during the call with XXXX XXXX XXXX, XXXX. of XXXX. XXXX challenged the XXXX XXXX sale date and it was also cancelled. 

On XXXX XXXX, I wrote Wells to follow up on my request for mortgage assistance. XXXX XXXX XXXX called me soon after to tell me a sale date had been set and that he was escalating inquiries about my application. Subsequently, the XXXX XXXX sale date was withdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.

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 01/17/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (TX).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I purchased a vehicle from XXXX XXXX in XXXX, TX on XX/XX/XXXX. On XX/XX/XXXX I had XXXX XXXX XXXX XXXX and was on XXXX XXXX. The bank called to do a welcome call which I barely remember and says that I told them that I had a recent repo, which I didnt. On XX/XX/XXXX about XXXX XXXX I get a call and text from the salesman saying that the bank decided not to do the loan because I said that I had a recent repo. In my mind it was a done deal, contract and everything signed, more than 72 hours and I hadnt heard anything from the bank or the dealership. I was waiting to get the information for my first note. Now I have to return the vehicle to the dealership today the say or they will repo it and Ive done nothing wrong to my knowledge. The name of this bank is XXXX XXXX XXXX. in XXXX XXXX, TX 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