milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I had my account verified in XXXX when I signed up with Coinbase. I made a number of transactions without any issues, but was in the process of making transactions on XXXX XXXX when Coinbase required that I re-verify my personal information. My account had been completely frozen - no trades or money transfers - until the re-verification process was complete. Over a few weeks, I tried every combination of spelling my full name and every address I 've lived in the past 10 years, but the only response I got back from their verification service was 'Could Not Locate That ID '. I even tried to close my account, but could not transfer my cash out of Coinbase. I called 6 times and was put on hold for over an hour each time. I finally reached someone and explained the situation ; they asked me to send in additional proof of residence. I sent in the information but have not received any update on when my account will be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (NH).
Issue: Shopping for a loan or lease

Complaint: XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, XXXX AND TRANSUNION ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup 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 03/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: On XXXX XXXX, XXXX amex took my payment 2x. I have yet to receive a refund. 
New amex card, XXXX XXXX. 
XXXX XXXX, XXXX - became aware that auto pay was not setup. Made 2 payments to catch up. Spoke with Amex rep to clarify that this was a miscommunication on our part, auto-pay setup to pay on XXXX XXXX, XXXX. 
Setup Auto-pay XXXX XXXX - found autopay did not process on XXXX/XXXX/XXXX. Was required to make current payment PLUS schedule payment for next due date. 
Confirmed Auto-pay, again XXXX XXXX Scheduled payment processed PLUS autopay paid the amount due AGAIN. 
Used Amex chat to process refund of duplicate payment. They took banking info, to process electronic payment. Was told it could take until XX/XX/XXXX to process - which itself is outrageous. 
XXXX XXXX Called Amex customer support. Now told it will be refunded by XXXX XXXX. Escalated call to Supervisor - which was less than satisfying. Called back and asked to bypass Supervisor to speak with Manager. Was told a supervisor was as high as I could go by phone. 
XXXX XXXX - still no refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My ex partner XXXX XXXX XXXX used my social security number and made several purchases and inquiries on my credit. I have followed up with the creditors and nothing has happened to date. This is still on my credit reports and is affecting it negatively. There are several more collections and accounts that also do not belong to me that he made. I am currently disputing them also.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with GUILD MORTGAGE COMPANY (PA).
Issue: Trouble during payment process

Complaint: Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then  XXXX  of   XXXX   I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in   XXXX   only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5  business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall.     In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ).  But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX-Apparently someone has opened an account in my name and was paying them. But it was not me I have never had a account with XXXX XXXX. I am a victim of Identity theft AMERICAN EXPRESS SERVE- I HAD FUNDS TAKEN OUT OF MY ACCOUNT THAT WAS NOT AUTHORIZED BY ME. {$320.00} WAS TAKEN FROM MY ACCOUNT THAT WAS NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have inquiries on my Equifax credit report that I did not authorize. The inquiries are from XXXX, XXXX XXXX, XXXX XXXX, XXXX Credit card, XXXX, XXXX, XXXX, and XXXX. Please have these inquiries removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to forward documentation on experian.com/upload. 
I uploaded the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Experian on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have received it and would update me within 30 days. 

On XXXX/XXXX/XXXX, I received a letter dated XXXX XXXX, XXXX notifying me of their dispute and investigation decision. I wondered if they even did an investigation. The letter stated to contact XXXX ( Mortgage Fraud Account ) and XXXX ( Cellular Account Fraud ) directly. 

I contaced XXXX immediately and found out they do not have a fraud department nor would provide me with the lenders direct contact information. I also contacted XXXX and all they wanted was me to pay the balance on the fraudulent account. 

I then sent certified mail with return receipt to Experian on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Experian received letter on XXXX/XXXX/XXXX. 

Experian sent me a letter dated XXXX/XXXX/XXXX, requesting for the same information already sent in order to block the items. 

I called Experian today, XXXX/XXXX/XXXX, to see why. They stated that the police report was invalid and the the FTC Report was invalid. I explained to them that all information sent was valid. I explained to the rep that XXXX received the same documentation and was able to rectify the errors on the report immediately. The rep offered an Experian product since I was a victim of fraud. I declined the offer and hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Taking out the loan or lease

Complaint: Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! 
The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: When I was XXXX ( roughly XXXX years ago ) I opened a {$500.00} limit credit card with XXXX XXXX. I did not close out the account. The debt was sold to a debt acquisition company and sold again to a similar company ( Jefferson Capital Systems LLC ). This company waited until XXXX to enter the judgment against me and used " gutter service '' tactics so I had no idea I was being sued and I had no idea that court date was taking place and I was unable to represent myself. When the judgment was entered in XXXX of XXXX the debt had increased from the original {$500.00} amount credited to {$4500.00}. Jefferson Capital Systems LLC then waited until XXXX of XXXX to begin garnishing my wages. In the four years that passed ( XXXX ) the debt sky rocketed to an unrecognizable amount of {$10000.00}. Yes, a {$500.00} limit credit card turned into a {$10000.00} debt that continues to grow because it still collects interest. I am a single father that works 40+ hours a week and I am XXXX XXXX to try and move vertically in my company to create a better life for my child. I 've already paid over {$7000.00} via garnishment and I still have over {$6000.00} more to pay. This is obnoxious and unreasonable and unfair practices. I have been trying to defend myself but all my motions have been denied. My latest motion cited the federal trade commission to see copies of the original credit agreement and the documents I need to confirm the principal amount and confirm the debt amount was denied. Is there anything I can do to seek justice or will I continue to have the life sucked out of me for a debt that has been paid off 10 fold already?

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Equifax : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Hard credit pull by XXXX on XXXX/XXXX/16. I have not and do n't do business with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Credit decision / Underwriting

Complaint: I refinance with Fifth Third Bank in XX/XX/XXXX in XX/XX/XXXX I got a refund of XXXX from my escrow account, in XX/XX/XXXX I received XXXX from my escrow, for XX/XX/XXXX Fifth Third Bank said that I owed them XXXX I call Fifth Thrid Bank and ask why do I owe you, and the lady said that my homeowner insurance went up XXXX for XX/XX/XXXX and my taxes went up XXXX. I said to her where is the rest of money from escrow and she could not explain it to me. I was told to go to my Fifth Thrid branch and have them to explain to me what was going on with my escrow account I did go to the branch and they could not help me either. Can you help me with this matter. My contact information is ; XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond t o two r equests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

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 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: issue is with XXXX XXXX. There were items in dispute which I was told I was not responsible for while under investigation, however, I never received results of investigation and each time I called to inquire, I was transferred to various different departments until one day, some kind soul took pity on me and decided to see my call through to the end and get me a resolution and that 's when I found out that they had resolved my claim and I owed XXXX, which they stated was past due, but I never received any notice of such, so I immediately paid the XXXX but still had questions regarding the dispute, and where this XXXX balance was coming from. I was paying this, not because it was owed but because I did not want it to affect my credit but it ended up affecting it, and it should n't because I paid timely on that which I owed.

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 02/28/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Opened up a loan at XXXX XXXX # XXXX in XXXX in XXXX XXXX, NV. 

File # XXXX, {$1200.00} pay day loan from XXXX XXXX Made all my payments on time, until my hard ship trifecta. 

1 ) Fell behind on my bills due to hospitalazation with a XXXX XXXX XXXX bite on my lower left leg. 

2 ) XXXX XXXX on left knee. 
XXXX XXXX on left knee, XXXX XXXX XXXX removal left knee. 
Performed by XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX XXXX ) XXXX XXXX XXXX XXXX Black exterior, Grey interior Vin # ending in XXXX, Purchased new in XXXX  from XXXX XXXX XXXX XXXX XXXX, Illinois Needed mechanical repair from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX Unable to afford repair bill, my vehicle was auctioned off after 30 days no payment, @ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX my husband had a XXXX which left him with a XXXX. He has been deemed XXXX by the U.S. Social Security XXXX Office. Three days after his XXXX, while he was still in the hospital I contacted the mortgage company to explain the circumstances. As my husband is self employed and we had no savings I knew we would be unable to make our mortgage payment. I have been working with the mortgage company for the past 16 months to keep our home from foreclosure and have worked with several agencies. ( I have documented over XXXX steps I have taken regarding this matter ) On XXXX XXXX, XXXX XXXX XXXX XXXX submitted a a request for forbearance on our behalf. It was denied due to lack of income verification and XXXX said we would now need to work directly with the mortgage company. I submitted the income verification by the XXXX deadline and never heard back from the mortgage company until we received a preforclosure notice dated XXXX/XXXX/XXXX. ( During that time my father-in-law passed away and my husband had emergency carotid XXXX XXXX. ) In speaking with my husband he was able to say " email '' and it turns out he had been getting email statements for the mortgage company the entire time and I was n't aware of it, he had n't thought to tell me because of his XXXX. I immediately took the last statement and paid over {$6000.00} which the mortgage company refused. I then contacted the MN Attorney General 's Office. Under their recommendation we applied for a Home Affordable Modification in XXXX XXXX. After making three monthly trial period payments we were given the terms of the modification in XXXX which included {$9000.00} in past due and interest fees, changed the mortgage from a 20 year to 40 year mortgage, increased our interest rate by .25 %, increased our mortgage payment by {$7.00} per month, and shows no indication of the three " trial period payments '' we made totaling {$2300.00}. I feel very strongly that the terms of this refinancing are unjust and unfair and in no way " helps '' our family. Although we are still able to live in our home we will now owe well more than the market value ( {$90000.00} ). This issue has been negligently and grossly mishandled by the mortgage company, has been discriminatory with regards to my husbands XXXX and has caused us an incredible amount of stress and hardship during a time when I should be concentrating on the health and healing of my husband ( he averages XXXX-XXXX XXXX per week ) and the raising of our XXXX XXXX year old XXXX daughters. I would like to file suit in federal district court to cover actual and punitive damages.

Company response to consumer: Closed with explanation