milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Am an XXXX customer of the digital assets broker coinbase ; did a eur withdrawal of XXXX eur on XX/XX/XXXX XXXX XXXX and was expecting to receive the money in my verified XXXX banking account on XX/XX/XXXX. Today, XX/XX/XXXX am still waiting for my eur withdrawal to arrive. 
Despite several attempts and messages using all the possible digital channels ( email, support.coinbase, XXXX, XXXX ), all i got has been a generic message from a couple of coinbase support team members more offensive than helpful like " XXXX from XXXX, Im going to reach out to someone on the team and see if they can provide me with a resolution or more info. Expect a follow-up from me within 24-48 hours. " or a generic " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This is not the kind of responses one expect from coinbase, moreover I have a verified account in place since XX/XX/XXXX. I will also provide formal complaint to the XXXX XXXX Police and inform my bank 's fraud department so they can decide wether to inform their customers of the risks implied in operating w/ coinbase and its associated banks ( XXXX for XXXX  customers ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (FHA mortgage) with CARDINAL FINANCIAL COMPANY (FL).
Issue: Trouble during payment process

Complaint: We were granted Forbearance on our mortgage payment for the month of XXXX 2016 because were declared a national disaster area by FEMA. That mortgage company sold our loan the same month to a different mortgage company and said they would " reach out to us to discuss payment of the missed XX/XX/XXXX installment ''. No one ever did. 
The new mortgage company, Cardinal, does not seem to recognize this. They have sent us past due letters and I have called their customer service many times to try and get it straightened out. 
I will be attaching a timeline of all of our payments and the confirmation numbers and dates. I also have itemized with whom we spoke, where and what time. The last call being to a supervisor named XXXX who said he would look into it and get back to us. He did not. We are receiving past due 2 months letters, and yesterday a phone call to my wife that they are reporting it to the credit bureau. Plus a letter just came saying they are going to take our house away. 
A complete timeline of my efforts is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I received a denial for loan modification today and was also not allowed to resume payments through that process. I was placed into a modification for XXXX 2017 until XX/XX/XXXX. I included in my hardship letter I was forced to retire and I was waiting for my income to kick back in and needed a foreberance for at least 6 months. Ive been maintaing the upkeep of my house and have lived here for 39 years raising my son. I was told that even if I submit a second request appeal they would still deny reinstatement to make monthly payments. They have now included foreclosure attorney fees which I dont feel should have been added because Ive explained my hardship, when I could resume making payments and that I dont want my son or myself to become homeless by losing my family home. There was money sent in XXXX 2017 towards the monthly payment but it was returned because I was {$230.00} short of monthly payment. I was soon able to send the rest but my file was then sent to a foreclosure attorney.

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 02-10-2017 about Debt collection (Payday loan) with AMRON PROFESSIONAL SERVICES (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Got a call from XXXX saying there was a PayDay loan taken in my name back in 2012 which was not paid and I owe {$520.00} and if I do not pay it will go to court. I never took out a pay day loan in my life. Someone used my ID to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this

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 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I wired {$2000.00} on XX/XX/2018 to be deposited into my Coinbase account, but no funds ever showed up in my account. I have confirmed with the receiving bank that they credited Coinbase with my funds. I have emailed Coinbase multiple times in an attempt to resolve this issue, but they have never responded, and the funds have been unaccounted for for over 3 weeks at the point in time. I have asked the receiving bank to reverse the funds, but they have been unable to reach Coinbase for approval. I have also tied to reach Coinbase by telephone, but I only get a recorded message to contact them through XXXX, which is where I have been sending my previous messages. It seems to be effectively impossible to contact Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are items on my Equifax report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX Card that dates back to 1987. This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 fraudulent charges in the amount of {$30.00} and {$35.00} were charged to XXXX. I noticed the charges a week later and made it clear I DID NOT MAKE THEM. Both Barclaycard and XXXX XXXX XXXX insist these charges are mine. There so called proof they showed me shows that the order was placed from XXXX on a day I was at work at XXXX XXXX XXXX XXXX, IL. The college books ordered are not mine. I am XXXX XXXX XXXX and not in school. I work at a XXXX and have explained I can prove where I was at. They are stalling me and not resolving this. I have sent a letter and also faxed it in detail yet this drags on. I can be reached at my cell phone 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 monetary relief
Consumer complaint received 12-08-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Toyoyta financial Is charging of my account for XXXX for a 2015 toyoyta Camry that was a total lose due to a crash the XXXX XXXX XXXX insurance company along with gap insurance company payed off My account

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Transaction issue

Complaint: I purchased an item from a retail agency ( XXXX ) and it arrived damaged. Upon calling to return the item ; I was denied that option repeatedly despite of their return policy. I called Synchrony bank for assistance, they credit my card but placed the charge back on my account. I submitted proof and they refused to credit my account. Upon talking with the rep from XXXX I was told that the rep from Synchrony was a friend and he was n't worried about a charge-back. I wrote to the XXXX ; however they stated that they could not force a resolution. I canceled my credit card due to Synchrony does not support its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I had a collection acct removed off my report that was not mine the company that reported it put it in the wrong person 's credit report. The acct was not in my name nor was it attached to my ss # number. I had this removed from my report back in   XXXX   XXXX   2017. The credit bureaus put a fraud frezze on my report without my consent. Then in   XXXX   XXXX   I applied for a home loan and   XXXX   was unable to pull my Equifax report due to a fraud alert. I called   XXXX   XXXX   and had them remove it. Since then  XXXX  has tried to pull my credit  XXXX  times for a mortgage and  XXXX  and  XXXX  pull forward and Equifax still will not pull forward. I have made over 42 phone calls faxed several documents as well as the bank and  XXXX  the Thrid party company has contacted Equifax. We are getting no where everyone keeps telling us there is no block. But my report continues to say blocked from Equifax. This has put a tremendous hardship on my life I 'm unable to get my home and now have no home to live in. I 'm living in my fifth wheel due to us not getting our home loan. This is unfair and has put me in the hospital once for chest pains. I need this fixed and right away I do n't know how to get it resolved so I have filed a complaint here the attorney Generals office and the better business bureau and I feel i need a attorney and sue for stress and hardship and health issues this is causing as well as my family is basically  XXXX  due to this credit bureau blocking my report without my permission Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Awhile back, on XX/XX/XXXX I locked my keys in my car and I contacted a locksmith. He overcharged me XXXX. I knew he overcharged me because later that day when I came home from work, I contacted other locksmiths and they only charge XXXX at the most. I contacted my bank, Chase, and I told I was completely unhappy with the service I received, and they first offered to give me credit. Well.. today I received a letter stating they are in favor of the locksmith.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification. I was denied based on Debt to Income Ratio and my income was not high enough. The data used by Wells Fargo is old and is not my current income. They have documents that are 5 months old. 

I am making a considerable amount of money since that last data provided. The appeal form was sent in and I have not heard from anyone.

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 02/16/2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Struggling to pay mortgage

Complaint: XX/XX/2018 Good morning Consumer Financial Protection Bureau, I tried to pay my Mortgage with Bank of America this morning through online banking by transferring funds directly to my mortgage account and BOA app would not let me pay. So I called Bank of America to see if there was an error. 

The representative told me that they have transferred my loan to a mortgage company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  this company on the XXXX  websites and if I am correct it says it is not accredited. Also the complaints with this company are very high. 

I would like to make a complaint to stop this transfer of my mortgage to this company. I have struggle to pay my mortgage between the XX/XX/XXXX through the XX/XX/XXXX of each month, but never after theXX/XX/XXXX of each month. I have occurred an outstanding late fee attached to my mortgage but will pay fees off by XX/XX/XXXX of this year. About five or six years ago I applied for HAMP or HARP with Bank of America, they denied the Modification twice maybe even three times. So I reached out to a HUD counseling Non- Profit Organization and they helped me get my loan approved. I now have an HAMP or HARP which is an ARM Loan with BOA. I asked why was this loan approved as an ARM? I was told that is how the loan is set up with Bank of America. 

I really do not want my loan transferred to this company XXXX XXXX XXXX XXXX and I am afraid that they would start an foreclosure status on my home of eighteen years and I am a single parent of XXXX trying to do the right thing. Please assist me with this complaint. If you need additional information I will forward you my email address. 

Best, 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 03-01-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Account opening, closing, or management

Complaint: I lost my job a few months ago and incurred a small overdraft fee of {$110.00}. I did n't have any funds to pay so my account sat in the hole a while. I finally obtained a new job and called Citizen 's Bank on XXXX XXXX, 2017 to ask if it would be ok if I set up a direct deposit into this checking account. I understood they would take the {$110.00} from the direct deposit balance but the representative explained that everything would be fine to set a direct deposit with a funding date of XXXX XXXX, 2017 and there would be no negative impact on my account. I set up the direct deposit with my employer and also filed my federal tax returns to be deposited into this account. Pay day comes and my card declines at the store, I checked online banking and the account was showing as closed and charged off. I called customer service and they said to speak with recovery, recovery said that although I was clearly misinformed and my account was set to charge off, there was no way to keep my same account information. I called customer service several times, escalated through different departments and received different answers from each representative I spoke with. A rep even hung on me after placing me on " hold ''. I was directed to my bank branch, where the manager told me to my face that she had full " discretion '' to open a new account for me but refused because of the negative balance. I explained several times that the direct deposit was set up and that I was told to set it up by Citizen 's Bank so that debt could be paid and my account would remain open. With this confusion Citizen 's refused to recover my original account. I did n't have access to my paycheck for another week and had to borrow money from friends and pay back with interest, I had to change all my banking info with HR which could cause a delay with my next paycheck, and I also am not able to change my account info on my tax return which will now cause an approximate 10 week delay on my refund because a papercheck will need to be mailed after the bank rejects the funds to the closed account. I 've already been out off work for 5 months and need immediate access to any funds available to me. The bank giving me this misinformation has put me in a tough situation financially and no one helped me and I was treated like XXXX by almost everyone at the bank. I would have never set up direct deposit for a closed account. I would have paid the {$110.00} ( hence me trying to make arrangements ) and set up my direct deposit for a different account. I have no clue when I 'll get my taxes and I need to catch up on bills I fell behind on being out of work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have an Escrow overage payment owed to me from my mortgage company, Ditech Financial, who refuses to send me the money because my account with them is past due. The overage comes from their Escrow Cushion. They are telling me that I can not withdraw from my escrow, if my mortgage is past due. An overage is no longer a portion of Escrow, once it 's declared to be, overage. I am asking Mortgage Servicer to simply move my overage funds to the unapplied funds account, that way I can use it to help catch up on my payments owed toward my mortgage. The fact that they wo n't either return my overage money or shift it in a way so that I can use it to pay my overdue balance down, seems like a way for them to keep my money and push my home into foreclosure status. Please help. I just want my money allocated towards the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: According to my credit reports, XXXX XXXX XXXX has submitted a collection for an outstanding account. I have contacted XXXX XXXX to inquire with no avail. I have requested proof of service, proof that it is my account, proof of the actual balance owed, proof of signature for stated account and any proof of dates of service. I have not received anything and according to them, this account was opened in XXXX, not XXXX. Now this account is listed with a Collection agency and they have been very unprofessional in trying to have this negative information removed from my credit reports.

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 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Transunion via telephone on XXXX XXXX. Talking to the customer service rep to have them remove an OBSOLETE account- XXXX XXXX XXXX # XXXX is showing as account paid in full WAS a charge off. The date of first default on that account was XX/XX/XXXX. They were not helpful and trying to tell me date of last default was XX/XX/XXXX. I called Transunion again yesterday, and they also agreed that an account that old should be removed and it looked odd, but could n't remove it. I am requesting they remove it now. This is violation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief