milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I was a regular user on Coinbase 's XXXX exchange for virtual currencies. One day while I was submitting orders their exchange had technical problems. My order was submitted and funds locked up, however, the order was never filled, and I was unable to cancel the order. Ever since my money has been unaccessible ( in any form ). 

I have tried reaching out to Coinbase over several medium including submitting a request ticker on their website and via email. I have received no response and my money has been inaccessible for days.
Coinbase has become notorious for their treatment of customers complaints. In fact users have had so much difficulty contacting Coinbase that scam artists took note. A successful recent scam was to pretend to be Coinbase technical support and create phone numbers and websites. Frustrated users who are unable to get in touch with Coinbase would inevitably resort to XXXX  for alternatives and unwittingly click or call one of the scammers.
I would be satisfied if my money was returned to me, however, I feel that action should be taken to force Coinbase to handle customer complaints. I am not asking for a miracle, even a basic response after a few days saying they are looking into the problem would be acceptable. 

Please do n't let this business continue to act in this manner. 1. They are abusing their customers and 2. They are opening up a window for scammer to take advantage of their customers. 

I would be happy to provide my account and contact information if it helps in this process,

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: 2 unauthorized transactions were made from my Bank of America online account through a feature called XXXX that were not of my doing or anyone that I know. 

2 Transactions : XX/XX/2018 Transfer of {$1000.00} XX/XX/2018 Transfer of {$1500.00} These transactions were not authorized and money was being sent ( deducted from my checking account ) to a person/entity that I have no information on. The number it was sent to is a anonymous free phone number made up. 

Claim # : XXXX was closed on XX/XX/2018 and was not resolved in my favor. I lost {$2500.00} due to fraud and Bank of America gave me no other detail in the resolution letter other than the fact that these transactions were " authorized '' to which they were not. They said if I shared user id/password info with anyone to get into my account that these were valid. I did not share any log in details with any one.

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 02/28/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: bank canceled a credit card stating it did so because a banking affiliate terminated business with me. after checking my credit report and verifying that no business terminated anything, the bank then responded they were under no obligation to explain why they did anything

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Account opening, closing, or management

Complaint: CapitalOne360 is not sending me money from my Mothers estate. I am the executor and have submitted all the paperwork. They claim XXXX check was sent in XXXX to my old address but it never came. They wanted to charge me {$25.00} for a stop payment. When I asked for proof it was ever mailed, they agreed top send another. I gave them my new address, which they already are sending mailings to, but they claim the new check was mailed on XXXX XXXX give or take a day. Never arrived. 
The other account is an Individual account that required a Letter of Testamentary and an Affadavit of Residence. I sent them. They said one was n't notarized so I sent it again. In XXXX they sent an email saying the check would be sent out. It was n't. 
Every time I call, I get different people who apologize profusely, promise to fix this and nothing gets done. No follow up calls, no emails. The last time they emailed me was to say the check was being drawn upo. That was XXXX. You can no longer log into the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted and sent Fraud Affidavits to Transunion with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Transunion have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

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 01/30/2018 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid a negotiated settlement amount of {$220.00} to XXXX XXXX XX/XX/2013. Received email confirming payment from XXXX. Then I learned few months later my account and info was sold to Pinnacle Credit Services. Pinnacle has tried to collect {$920.00} for almost five years now. Each time the clock ticks close to debt expiring they lie and say they have talked to me or had contact or a conversation. 

Provided the credit bureaus with the XXXX payment confirmation and disputed Pinnacle Credit report as a collection. XXXX refused to remove but others did agree it was inaccurate info and removed. 

Five years later Pinnacle Credit continues with mailing stuff to my house and reporting to credit even though debt was paid in XX/XX/2013. XXXX says they can't help that Pinnacle Credit owns the account now. 

I currently and in process of underwriting to close on a home and this has the whole process on hold. For nearly five years now I've dealt with Pinnacle Credit shady business practice and lies. I will not pay a debt twice. XXXX received money and can not help me. Credit bureaus except XXXX   agrees this was bogus. Pinnacle stalks me and lies saying we have talked to restart the clock. I'm at a loss. 

This company is a scam and harmful to anyone that has had an account with big companies like XXXX. Based on the lack of professional manner and the dishonest approach Pinnacle Credit must be a relative of a XXXX Executive. Who else would collect money then sell the account to allow the customer to be hunted down and life ruined?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments.

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 monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. ().
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Credit Karma Refuses To Update My Credit Report/Account Claiming They Are Waiting On XXXX  To Send Them The Updated Information. ( It's Been Three Weeks ) I Have Talked To XXXX   Several Times In That Time And They Have The Correct Personal Information And Have Confirmed They Have Already Given Credit Karma My " Updated '' Information, It's Only Credit Karma That Is Refusing Handle The Problem Properly To Correct My Account/Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on my credit report still shows repossession information desipite the account has been paid off and already closed XXXX XXXX,2011. I tried to call them ask them to send detail information to my loan officer. but they said they because files is closed, they ca n't. my loan officer still needs detail information and i d like to see it remove from my credit report or at least show it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I modified my house XXXX 2016 with Select Portfolio Servicing. through HANDS in Florida It was approved with a three months trial of which I had to call to get the this information, I told them that I will not pay any money until I get it in writing. I did it in writing for the trial period. 

The permanent document to sign, I did not get until XXXX 2016 dated in XXXX 2016. I have been paying my new approved mortgage every month since then, but they keep sending me threatening letters that if I do not pay the {$4100.00} which is the amount I was delinquent before the modification. Then, they sent a letter that coming next XXXX my mortgage is going to increase to $ XXXX. I can not afford this amount. They say there are debt collecting agency, and when I asked them prior asking HANDS of Florida, they said they were not in a position to assist me as they are debt collection agency. Yet when HANDS contacted them for the modification they were able to do it. I do not know what kind of mortgage company is this, gving conflicting information and so I would like your company to investigate them. Currently, HANDS are trying to work with them but to no avail. 

I would like if you could help me deal with this company which forever harassing me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I want to thank you because the last complaint, I sent in regarding an account was corrected. Now I have XXXX accounts that are on my report that are reporting incorrectly. Also I want to point out that if they had investigated it would show reporting incorrectly. XXXX XXXX county child support account number XXXX it shows it was in collection in XXXX of last year. Now clearly this is a mistake that experian refuses to investigate, because if they did investigate it it would show it was paid and reporting incorrectly. Because it is taken out of my check every week and has for the last eighteen years. Here is another example of experian breaking the law. Also how can something be in collections for one month then the next month be okay does that mean it was paid at the end of the month? How can you be in collections for a month and not the next. If I were to make an assumption I would say that 's entirely wrong. The second account is XXXX XXXX account number XXXX ... Again another account this is not mine and they refuse to investigate because if they had they would see this is not mine just like XXXX and XXXX, its almost like they get off on reporting incorrect information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX XXXX in XXXX XXXX, Illinois from XXXX and graduated in XXXX from XXXX XXXX XXXX program. Upon completion, I did not apply for the XXXX for XXXX until recently. I was told that I 'm ineligible to take certification exam because XXXX XXXX College was n't accredited with their association or the XXXX association. However, when I applied at XXXX, like many former students I was misled. I am stuck with an.outstanding loan balance. I ca n't transfer my credits or essentially utilize my diploma because of the fraudulent claims against XXXX. This school made false accusations, promises and claims that was not fulfilled. Many formers students can attest to this. The school is no longer in existence and what are we as former students to do. If the school has been found to have been fraudulent and accredited but wasnt ... ..why was loans and financial aud awarded to students. Why do I have to reoay a XXXX loan back and literally do n't have NO EDUCATION THAT I THOUGHT I WAS OBTAINING. The dept of ed has claimed to be investigating this issue for quite sometime but I have not yet received a response. 
I appreciate your time and consideration. I look forward to hearing from someone in regards to my issue. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Hello CFPB, I have an auto loan with Citizens One Auto Finance with the last payment remaining. My complaint is that the final payment can not be made online as all previous payments have been made and must be mailed or submitted ( for a {$12.00} fee ) via their automated phone system. The payoff amount provided via the phone system increments by $ XXXX/day, so sending a check via regular mail does not seem an ideal option as customers may be subject to a late penalty. Furthermore, the final payoff notice did not include a payment envelope addressed to Citizens like the other 59 mailings we received through the life of the loan - this appears to be an extra measure taken to collect fee revenue. <P/>To resolve the situation I contacted their customer service department at XXXX at approximately XXXX XXXX ET and was not provided an option to make a payment free of charge. I believe these conversations are recorded, so I encourage the Citizens One tem to review the recording. [ PERSONAL INFO - XXXX XXXX, Loan Number XXXX ] This practice seems to be deceptive and unfair and could yeild an undue profit for Citizens in aggregate at the expense of their customers. <P/>Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has applied for credit many times through multiple creditors causing the amount of inquiries to decrease my credit score. The only credit I have applied for was a XXXX XXXX Credit card and a mortgage through XXXX XXXX. The amount of inquiries has damaged my score so much It is making it difficult for me to finance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've called the   XXXX   multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I applied for and got a credit freeze from Equifax. I need to lift it temporarily. But their website says that I have no record with them, yet it also says that I have a freeze in place. I tried calling several " customer service '' numbers but they are all just phone trees or endless waits on hold. There 's no online help because they say that I have no account there. 
Combine that with dead ends on their site such as this one after I try to recover my account : " We apologize for the inconvenience however the system is unable to complete your request. Please contact Customer Care at XXXX ( XXXX ), 7 days a week between the hours of XXXX XXXX XXXX Eastern Time Zone for assistance '' I promise that that number is just another dead end. 
My wife has a separate freeze and she gets the same dead-ends and no help. 
This company needs to be shut down and the executives fined and jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against  XXXX  and Money recovery nationwide.     I settled all debt that i had wit h Money Recovery Nationwide back in the  beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle two account with the collection agency.  One  of those accounts that i settled was for   XXXX   XXXX  . It was removed from my  XXXX  report but not my   XXXX   report. I filed a dispute once i saw that it had not fell off of my  XXXX  report. Today when i checked my credit report again, it is still there. So i called  Money Recovery Nationwide tod ay and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all three credit agencies on  XXXX / XXXX /  XXXX  , and that i need to call  XXXX  to have them remove it. So i called   XXXX   and they told me that  Money Recovery  had never report that the account was settled on  XXXX / XXXX /  XXXX  , the also said that the last time Money recovery reported was on  XXXX / XXXX /  XXXX  . I let them now that i have my bank statement proving that i paid off my debt money recovery and they said it did n't matter. They also said that i had to call money recovery back because they are the only one who can take it off my credit report. I called  Money  recovery back after my frustrating conversation with  XXXX  and told them what  XXXX  said and they told me again that they had reported it on  XXXX / XXXX /  XXXX  . They also told me to call   XXXX   back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to  XXXX  they should remove it from my account. I requested that  Money recovery send me a settlement letter stating that the accounts were settled and reported to  XXXX . I  settled this account going on 2 months ago and it is still on my account, negatively affecting my  credit score. it is a bsolutely ridiculous.

Company response to consumer: Closed with explanation