milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NV).
Issue: Other transaction problem

Complaint: I had purchased Bitcoin various times from the merchant. In mid XXXX 2016, I initiated two purchases of ETHer from COiNBASE.com ( XXXX XXXX, CA corp ) via the Internet. They emailed me stating that the ETHer *would be deposited into my account on a certain date* ( emphasis added ). They did not provide the ETHer on the certain date, nor did they ever provide the ETHer. I also ordered some BTC from Coinbase, on the same date. 

I filed a timely complaint with the state of California consumer financial complaint department. Coinbase responded that they were just complying with fincen. However, they did not resolve the issue and simply let it go - likely because I was not a constituent, residing in CA. 

In retaliation, Coinbase closed my account. They stated : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you log into your Coinbase account to send any remaining balance offsite to an external address. 

Should you have any questions or need assistance, please let us know and we 'll be happy to help. 


Respectfully, Coinbase Customer Support '' There was no " careful review '' and neither my account nor I " engaged in prohibited use in violation of [ their ] Terms of Service ''. Their statement that I can " send any remaining balance offsite '' is also inaccurate. They have some of my litecoin which they are refusing to release to me despite saying " send *any* ( emphasis added ) remaining balance offsite ''. Even their attached support article is false. 

I merely exercised my right to complain to a governmental agency about being XXXX out of over ( > ) XXXX ETHer coins and they retaliated against me for having done so. Ironically, I I also updated my address as allowed by the law which governs me and any transactions which I may make. That may have upset them but I am allowed to do so pursuant to : http : //nvsos.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with SECURITY FINANCE CORP (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continuously receive calls for a debt that does not belong to me

Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, Equifax, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. Equifax, XXXX, nor XXXX  have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, Equifax, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft fraud and I have filed multiple disputes with this company and the credit bureau, yet it remains on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/XXXX, I submitted a complaint against Chase bank in regards to fraudulent activity done on my account. On XX/XX/XXXX I received a letter from Chase in response to my complaint. In the letter it states that on XX/XX/XXXX, 9 checks for {$4200.00} were deposited into my checking account ending in XXXX. Those 9 checks were deposited fraudulently in XXXX XXXX XXXX in XXXX XXXX, IL. In turn those checks were returned and subtracted from account balance but not after funds were already taken out from that account to a Company named XXXX XXXX XXXX, in XXXX, IL. Along with these fraudulent deposits these persons had full access to my account online and they were able to transfer funds from my other accounts ( {$1600.00} ) and do ATM withdrawals. According to Chase in their letter I was denied this claim due to fact that they state that i was monitoring my account online during the time of the transactions had occurred and that I did n't immediately notify Chase to the fraudulent activity. When I originally filed the complaint I did n't go into much details, and only received one phone call from Chase and it was only to inform me that they were in receipt of my complaint and that they were working on it. But not once was I contacted to verify these facts they so called found in their investigation to explain what in reality had happened, I was in constant communication with Chase from the moment I found out such activity was being done in my account. I spent 2 full weeks going daily to the local branch trying to resolve this issue for Chase to come with this XXXX letter of explanation without referring to me for confirmation on the occurrence of the events. When I was aware that they had access to account online I called Chase and made them aware of what was happening and they helped me gain access of my account they reset passwords etc. They should have records or recording in regards to all these calls involved in this matter as for they were so many and they went on for 2 weeks straight trying to resolve this matter. I can even tell you the Branch I went to daily and find out the name of the branch manager that tried to help in this matter. I am willing to submit all the documentation I can find of the proof that I did go to Chase immediately to report the fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX RAN MY CREDIT 3 TIMES IN ERROR, TRANSUNION AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.

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 09/16/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am not sure this is the right place to do this but XXXX XXXX credit card reported a late payment for my credit card bill. it was not late. They have done this multiple times ( I actually quit using them for over a year due to issues with them ) but I gave them another shot and they XXXX again. I could not get onto their site to pay. I made contact with them and was told I would be contacted to pay the bill and no one ever called back. I kept calling and trying to logon unsuccessfully. When I finally got someone who would help me, it was past the due date. I explained the situation to them and they apologized and were supportive and removed the late fee but had already reported it on my credit score. It should n't be there. It is not a legitimate late payment because their site was down. They have notes on my file to back this claim. I want it off of my reports, all of them. It really hurt my score!

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: during separation my husband was to pay the mortgage per court order. He did not, I did not know until the mortgage was 1 year behind at that point I tried to get assistance from the lender and a loan modification and government funding to assist with the arrearage ( I did rec. that approval ) the lender - Ditech/Greentree is running me ragged and not communicating with me. I can pay this mortgage but I need to get approval so that the funding I have rec 'd can be released. Summary Judgement has been ordered and I am in process of foreclosure. I can not get the lender to communicate with me if I can get a loan modification and I have all of the emails, faxes and recording of phone calls.. I 've been getting a run around for months and can not get any straight answers. I am desperate, I am a mother of XXXX small children and I need help. I can not get any help from Ditech/Greentree and I am pleading that you will help save my family and my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called them and they said that my social security number does not match the account, then they told me that the account is not in there system.the person told me that I 'm no way tied to this at all since my social security number does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: Chase is the bank named in this complaint, but from the posted deposit and overdraft agreements of other banks, their policies are the same. When you do n't maintain a certain balance in an account, you do n't qualify for the fee-free accounts. So already you are paying a monthly fee. But let 's say you misjudged the amount of time it would take a check you sent out to post to your account, or had an auto-pay bill post before your deposit goes in ; then Chase will take all your incoming debits and post them in the order of largest to smallest. This means that, even though you have enough money in the account to cover all the transaction but the last one, their posting method guarantees that they can charge as many overdraft fees of {$34.00} as there are transactions after the largest wipes out the balance. In my business account 's case, a {$25.00} payment ( here 's the irony ), to Chase credit card, was charged a {$34.00} OD fee, because it was posted after a {$150.00} check. So after all transaction posted, the account was overdrawn by {$110.00}, {$68.00} of which were overdraft charges. And that 's only on XXXX transactions. Had I had more transactions posting, each and every one of them would have cost {$34.00}. This could become an insurmountable amount. I have a small, struggling business that does n't always have the best cash flow, and Chase and other banks take full advantage of this by penalizing me XXXX ways. One is by charging a monthly fee for being poor, the other by posting transaction to cause the most amount of damage, and take the most amount of money from the very people who can least afford it. This practice should be stopped, and a federally regulated policy for Overdraft charges should be in place. I am all for paying a monthly fee to use my account, as it is a service I appreciate. But to be outright robbed of precious few dollars I may have, because of greed and morally corrupt corporations, this should not stand. And our regulators need to protect us from these type of widespread corruptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I am the executrix of my mother 's estate. She died almost 3 years ago.. She has XXXX accounts at XXXX XXXX Bank XXXX I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent 6 hours and 36 minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the 6 hours and 36 minutes I had contact with XXXX people and total conversation with each was about 5 minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. 
It is impossible for me to get help with this. I have tried and tried. I have heard nothing back from the first complaint I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX charge off

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 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Because I changed from XXXX XXXX XXXX to XXXX, XXXX claim I own them a disconnect fee which I never knew anything about until I changed to XXXX. However, XXXX kept billing me after the disconnect and I paid the first bill. I feel that XXXX should have return the money for bill me after they had disconnected me. 

The people that is calling is IC System XXXX. They use to call XXXX a day, however, the called XXXX times today. 

Thanks for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We agreed to a loan modification with Ocwen Loan Servicing , LLC . Our Relationship Manager, XXXX XXXX, was very professional and helpful. Each conversation with him was recorded. He kept us informed every step of the way. He assured us that we would have no balloon payment. He repeated several times that our loan modification was approved without a balloon payment at the end ; the numbers were computed with a lower interest rate. None of XXXX XXXX 's paperwork for our file showed this balloon payment. However, Ocwen has tacked a balloon payment on to our loan despite our being reassured that it was not applicable. Our Relationship Manager has repeatedly requested that the balloon payment be removed from our account. He has gone through every channel he knows, without success. Our conversations with our Relationship Manager were recorded. We are both XXXX and, with current lending guidelines, are unable to refinance to get rid of the balloon payment, or even obtain a loan to pay it. We recently learned that CFPB could help us in this matter, or we would have turned to you much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I have a XXXX year CD from XXXX Bank that matured on XX/XX/XXXX. It was supposed to have renewed at the same rate as before. My Personal Banker had called to confirm that since Bank of America did not offer a XXXX year CD, they would be bound to honor the original XXXX year rate renewal terms. 
However, upon the actual renewal, they claimed that the could no longer find the terms told to us anymore and that they had elected to use the XXXX year term at 0.15 % instead. 
I found and sent my original CD terms document and sent it in via my Personal Banker who has really been my Advocate, since the Bank of America Representaive that informed her about my renewal terms and rate was so specific, even citing Special Terms that including a Final XXXX year Renewal that would terminate my CD in XX/XX/XXXX, without exception. Upon inquiry now, again BOA is denying its existance. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on XXXX or Experian and I would like it to be reported accurately. XXXX is reporting the information correctly.

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 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last several months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within a few days of my statement ending in XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed my eligibility. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel the marketing of this promotion was highly misleading. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, 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 non-monetary relief