milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (KS).
Issue: Money was not available when promised

Complaint: I had XXXX us dollars in a usd wallet held on coinbase. My account is 100 % verified and I have used it multiple times. Bitcoin had started to increase in price so I wanted to buy some, after reading every detail on the website Nd reading faq to make sure no delay would happen, I decided to buy in at XXXX per bitcoin. 

The website states if using credit debit or usd balance it would be instant. 
After the purchase on XX/XX/XXXX the transaction stood pending and to be deposited by end of day XX/XX/XXXX. ( Stated on website ). 
I was not upset it was n't instant at the time, but now XX/XX/XXXX and my money is still gone and no bitcoin.. Basically I have had XXXX dollars stolen from me for false promises and I have emailed over 10 times including reaching out on XXXX and have had no responses, except 2 weeks ago stating they are looking into it. 

I just want my money back, but due to multiple people having this issue, how can there website state the purchase will be instant if it can take up to a month with nothing not even in faq stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I took a personal check to my complex to pay rent, and I went to my bank later that day to deposit money into my bank & it has the available balance on the account & my complex did n't cash the check till  XXXX  that night. The night of  XXXX   XXXX . My check bounced, and I never got notified of this problem until my complex had told me it had bounced, now I have to pay an extra {$200.00} of late fee 's now I ca n't pay my other bills. I tried talking to my complex & they said they ca n't wave the fee to try and get the bank to pay for the late fee 's since it was on them. I tried calling them & they said there is nothing they could possibly do. All they could say was that they were sorry, I 'm just really frustrated because now I 'm  XXXX  $ short on my other bills. This is regarding chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NV).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Told I was applying for a loyalty card not a credit card at TJMax

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 12-12-2015 about Debt collection (Payday loan) with SECURITY FINANCE CORP (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debit collector does n't have my name correct nor did they put my exact address at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The following unauthorized inquires must be removed from my credit profile. I DID NOT APPY FOR CREDIT DO NO PLACE A FRAUD ALERT ON MY REPORT!!!!!! 

PLEASE SHOW ME HOW PER THE FCRA HOW THESE WERE PUT ON MY CREDIT REPORT XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX ID IS ATTACHED VIA DRIVERS LILEICE AND SCHOOL ID AND UTILITY BILLS

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX allowed someone to access my credit reports with Equifax and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. <P/>It is likely that XXXX is the source that has allowed these criminals to act using my credentials. <P/>XXXX called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. Equifax failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that XXXX is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Closing/Cancelling account

Complaint: i received a letter from citibank dated XX/XX/XXXXin response to the letter from citi ... over the years i have requested my credit report and have copies of all the reports received ... 
citi alleges they applied a payment on line of credit on XX/XX/XXXX and that is what they show reflected at XXXX balancethat account shows XXXX balance as of XX/XX/XXXX and was closed at my requestsee the attached credit report ... your letter states you applied payment in XX/XX/XXXXto an account closed as of XX/XX/XXXX with a XXXX balancei have attached various credit reporting statementssee the various dates and the different amounts sometimes you alleged it was written off other times you allege it is a balance due then you allege the difference was written offkravitz was unable to validate their claim when i requested after i returned to vegas and asked them to validate XXXXfyi ... improper service ... filing writ of garnishment 4 1/2 years later without due process addressing mail to generic employers and sending it out to who knows who and noting my entire social security number ... this violates several statutes including nrs 239since this i have numerous mailings addressed to my property of towing companies ... i.e online the names of these towing companies show to be repossessing cars ... and the people whose cars they are repossessing state it is being done illegally ... today dropped off a file to kravitz ... i do n't know what you and kravitz are doing ... if you 're cooking the books to mess up my credit i do n't appreciate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Auto) with MINNESOTA LIFE INSURANCE CO., THE (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, My ex wife applied for a title loan through Personal Finance Company on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XXXX, on the garnishment order that I received from my employer shows a mailing address of a XXXX XXXX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: I have XXXX credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic XXXX Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic XXXX Visa is undeliverable as it is only an apartment number with no street address and incorrect zip code. Aside from being unable to receive paper statements I see that Synchrony has now reported at least one bogus address to a credit reporting entity.

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 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: trying to get my credit report from Transunion for three days, and they keep on giving me the runaround.

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 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Solomon and Solomon, P.C. (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is not my debt it is reporting to all three credit bureaus and the account has been sold to this collection company and it is hurt my credit

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 10/14/2016 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (PA).
Issue: Taking out the loan or lease

Complaint: LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Deposits and withdrawals

Complaint: My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

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 09-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I went into XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MA XXXX, to look at a few mattress options for potential purchase. The salesperson, purporting to be the store owner, showed us a few mattresses. He then asked if he could run my credit to see if financing was available. He took that information orally and typed into the computer. At no point was I shown, nor did I sign, any paperwork agreeing to be extended a line of credit, or signing up for a credit card. I left the store without purchasing a mattress. Today, I opened my mail and found that I have been signed up for a Synchrony credit card without my knowledge and against my will.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. 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 09/18/2016 about Debt collection (Medical) with First Federal Credit Control (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have never been notified or did I know about these medical bills. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On X/X/2017 I submitted a complaint about a charge on my card totaling $ XXXX and amex responded that they are not willing to give me the bonus points for signing up for the card. However they also said they are not willing to refund the $ XXXX debited to my card for amex travel being that these flight were already takes. THIS IS 100 % NOT TRUE. the $ XXXX for flights booked with amex travel on XX/XX/XXXX were cancelled by the fraud prevention team and we never took those flights. Just lookup the PNR confirmation number. We are therefore are still owed the $ XXXX on the card XXXX2017* AMEX TRAVEL PURCHASE WITH MR POINTS {$22000.00} Doing business as : XXXX XXXX XXXX XXXX Reference : XXXX Category : Other - Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Credit card) with Routhmeir Sterling Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have recieved a letter from First nations Collection bureau inc. In this letter they claim that XXXX is the creditor as well as Routhmeir Sterling inc Asset Management. This is FALSE. XXXX was sold XX/XX/XXXX to XXXX XXXX inc which continued to run it as wholly owned subsidiary. Class action suits began XX/XX/XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. XX/XX/XXXX, XXXX XXXX was seized by the federal government and then sold to XXXX XXXX. I have spoken with a XXXX executive named XXXX XXXX XXXX ext. XXXX. She assured me that XXXX does not collect on accounts that are as old as this. So, with that said, XXXX XXXX XXXX XXXX and Routhmeir Sterling are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. XXXX bought up the bank that bought XXXX. They do not have XXXX 's permission to try and collect this debt, I have spoken with a XXXX executive They list XXXX as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error.There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.

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 EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a non reply email from CFPB stating, " Thank you for your complaint XXXX about EQUIFAX ''. We 've sent your complaint to the company for their response. Here is the problem the Credit Reporting Company ( EQUIFAX ) place me under FRUAD ALERT without any request or authorization from me then send out inquiries for information. After a company provides incorrect information the Credit Reporting Agencies treat the information as genuine without making any examination or comparison with the information that 's already on file that was previously reported. If this was being performed they could see and understand why the Consumer filed a Complaint/Dispute when the facts from the information do n't add up. The Consumers explanation and documents of proof receive little to no consideration against what they receive from the erroneous investigation. When a company reports something one way over a long period of time and then there is a change and negative reporting starts there is another side to what the company is claiming and offering as genuine. EQUIFAX is just going thru the process without providing the consumer the benefit of determining the true facts that would assist the Consumer in having a valid Credit History Report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have an XXXX XXXX account for my XXXX school loans with XXXX. The servicer has very poor response to customer inquiries, does n't allow for easy repayment of the full loan amount, does n't allow for online setup of recurring payments, sets up substantial barriers to telephone customer service with long wait times. I have multiple loan accounts and XXXX doesnt allow me to setup recurring bill payment through online account because I have " multiple accounts '' .I have personally been on hold for 4 hours without reaching a customer service representative. 

I believe a lot of these barriers are placed intentionally by this servicer. I am including a picture of the screenshot from the phone call that illustrates the extraordinarily long wait times.

Company response to consumer: Closed with explanation