milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Coinbase, Inc. (CA).
Issue: Problem with customer service

Complaint: I previously had a Coinbase account, where I would invest money. The account has locked me out, forced me to withdraw my funds, and will not allow me to re-create my account. It says I was in violations of XXXX. XXXX has referred me to this complaint process to remove my name from whatever list I would put on so I can create an account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I do n't have a job to repay so I ca n't repay due to no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX  and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... ..XXXXXXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on experian XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with Monterey Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In order to have the debt/collection removed from my credit report, the debt was paid XXXX/XXXX/16. I was informed verbally and in writing that the debt would be removed and as of today it is still present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Midwest Recovery Systems (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Credit decision / Underwriting

Complaint: XX/XX/XXXX changed insurance to XXXX XXXX XX/XX/XXXX Insurance disbursed was XXXX XXXX where is that monies ) You said a partial refund was deposited into my escrow XX/XX/XXXX of XXXX. So that mean I should have been over my escrow amount. So I should have gotten a refund. 
Escrow statement dated XX/XX/XXXX my XXXX payment is XXXX Escrow statement dated XX/XX/XXXX my Current payment is XXXX That is not my current payment. I am payment more for my Mortgage then suppose to based on the Escrow statements. 
Where is he refund. Someone is doing something with this money.

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 04/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: We used our Kohl 's credit card to make a purchase at Kohl 's department store on  XXXX / XXXX /  XXXX   in the amount of {$110.00}. Of note is that we had established paperless billing. Unfortunately, our e-mail address was changed and therefore we never received the statements to pay the charge. We also did not receive any phone calls or posted mail regarding the outstanding charge. On  XXXX   XXXX ,   XXXX   a gentleman, stating he was from Kohl 's, called to say that our account was in arrears, and I immediately paid the amount in full over the phone, explaining that we had no idea that we were in arrears, and apologized profusely. We were shocked to discover that it had been reported to credit agencies! We were in the process of purchasing a home, and due to the " delinquency '' we lost out on the mortgage and lost our ability to buy a home. We were and are devastated. I wrote lett ers to Kohls and sp oke with customer service, however they wrote back, dated  XXXX / XXXX /  XXXX  , that they will not remove the delinquency from our credit reports. We had FICO scores of over  XXXX  before this happened, and mine dropped to  XXXX . This, to show that we ALWAYS paid our bills and our credit worthiness has been extremely important to us.   We feel, at the very least, that  Kohls should have at least tried to contact us by telephone or by post mail to warn us that we were in danger of going to collections, but absolutely nothing from Kohls until the gentleman called and we paid in full at that time. We lost our credit worthiness for a mere {$110.00} owed and no attempt by Kohls  to collect it except at the time to put a delinquency on our credit. I went back and checked our old e-mail, and saw the  2  statements, however, again nothing about going into collections or a negative being put on our credit. There were only late fees. We can not believe that they can put a negative on our credit reports after onl y 5  weeks. The amount was due on  XXXX / XXXX /  XXXX   and we paid on  XXXX / XXXX /  XXXX  ! Please help us! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Pressler and Pressler in New Jersey has been pursuing me for a medical debt of roughly {$1200.00} for the past several months. I initially set up a payment plan as I receive low income and am supporting my 14 month old daughter. I set up this payment plan in response to being sued by Pressler and Pressler with no warning. After several months of being invoiced and paying them I stopped receiving invoices. With absolutely no warning I discovered that Pressler and Pressler had garnished and frozen my bank account in attempt to collect the debt. I called them to try to resolve the issue and the only thing they would allow me to do was make a payment on a payment plan, however they would not release my bank account to me, claiming that I needed to hire a lawyer to proceed. I had to pay them using a credit card, which I am not worried I can not pay because my bank account remains frozen. The gentleman I spoke to told me that if I do not make payments I will be held in contempt of court and will possibly face charges or legal action. Without my bank account I am now unable to pay for my housing, my credit card bills, and most importantly, provide for my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: equifax fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We refinanced a mortgage through Bank of America to get my ex-husband off the mortgage and put my new husband on the new mortgage. The old mortgage had a loan modification processed by Bank of America and guaranteed through HUD. Before we went ahead with the loan refinance, we asked if the loan modification would be an issue. We were reassured that it would n't be. The refinance was completed in XX/XX/XXXX. On XX/XX/XXXX, we received a letter from HUD stating that BOA never sent payment for the loan modification and there was an outstanding balance of {$80000.00} due immediately. BOA claims they did n't find the subordinate lien ( even though it was done through their institution ) and therefore it was not their fault it was not paid. We are now unable to pay this debt. We are in danger of losing our house because of BOA 's fraudulent practices.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: syncb/walmart was not allowed to use or report that i used them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: When I bought my house in XXXX my lender was XXXX XXXX for {$60000.00} before I made my first payment my mortgage was sold to XXXX XXXX XXXX .I never got a certificate of satisfaction from XXXX . After a few yrs. I found out that XXXX was purchased by Wells Fargo Bank I tried again to get a certificate from Wells Fargo with no response. That was in XX/XX/XXXX and again I 'm at their mercy because I tried to get a loan and because XXXX is still on my deed i was rejected. In XX/XX/XXXX I paid my house off The final lender was XXXX XXXX XXXX Now that I got no more mortgage payments I would like to get this issue resolved with XXXX to get my title cleared.

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 01/24/2016 about Debt collection (Payday loan) with Pinnacle Credit Services, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Asked for the amount to the debt to be validated. I did n't receive anything from them in the required 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (OK).
Issue: Money was not available when promised

Complaint: I Initiated a wire transfer with XXXX through the owner of the site, Coinbase INC on XX/XX/XXXX. The wire transfer was in the amount of {$2000.00}. XXXX promised the money would be available same day as showin in the screen shot attached. I have yet to receive the money in my XXXX USD Wallet where it was to be deposited. I submitted a case to their support department through XXXX  explaining the issue on XX/XX/XXXX. The case number is XXXX. I have yet to receive a reply. I got confirmation from the bank that same day the funds have been received by the receiving bank XXXX XXXX XXXX XXXX, NY which I believe also holds some responsibility and should be notified. I also sent an esclation ticket for the wire transfer at this site XXXX XXXX  XXXX either XX/XX/XXXX or XX/XX/XXXX and have yet to receive a reply. I have been very patient in waiting going on almost 2 weeks now for a wire transfer that was suppose to be done the same day. This has been plenty of time for any kind of delay or additional handling this process may have needed for whatever reason. I feel like my money has been stolen now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (VA).
Issue: Trouble during payment process

Complaint: My husband and I are trying to pay off a PNC conventional First Mortgage. My husband had filed chapter XXXX due to business issues. So we are in the bankruptcy Department. My loan is approved with another company. PNC refuses to give a payoff with the per diem. The new mortgage company and Title Company need a payoff plus a per diem to make their closing disclosure accurate. PNC tells us that they give the figures to the bankruptcy attorney. The bankruptcy attorney then takes 5 days to mail us a payoff which goes to our bankruptcy attorney. And the payoff is only good till 1 or 2 daysb after the date of the letter. No per diem. When we ask the attorney 's office for a per diem they said PNC will not allow it. When I ask PNC for a per diem they say the attorney has to provide the information. What a scam. When we asked the attorneys office for a per diem.they said PNC will not allow it.. What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: please i am leaving this message because i was with greentree then they sold to ditech they stated they would honor the mortgage modificationn at the end of 2014 now the company says i owe them XXXX dollars for escrow they are charging and adding to my mortgage i have been paying mortgage for 20 years This has never happened i paid the amount that i always pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Customer service / Customer relations

Complaint: I requested a credit line increase from Citibank , N.A . after being told by a representative that doing so would only result in a soft-pull inquiry on my credit report. However a hard-pull inquiry was conducted on my credit report. I sent a certified letter to Citibank requesting they either send me proof of me authorizing them to hard-pull my credit report or remove the hard-pull inquiry. They sent a reply stating they are unable to remove the inquiry and did not include proof of authorization.

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 02-03-2016 about Student loan (Non-federal student loan) with NELNET, INC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I attended XXXX XXXX XXXX XXXX in XXXX in XXXX. FirstMark Services is currently the debt collector .XXXX is the entity that controls FirstMark . They are unable to verify the balance and it is completely wrong. They are unable to explain where or how the interest is calculated. I have asked for a breakdown over and over again. What they have sent me is insufficient because the numbers do n't add up. I have made numerous payments that I have not gotten credit for or been itemized. I wrote a check for {$62000.00} which I doubt was credited correctly. I have not gotten credit for any payments made between XXXX which is impossible. I would have been in default and I never defaulted. I have forensic accountants to prove that FirstMark/XXXX is simply making a number up and can not prove it. I believe they are in violation of the FDCPA as their actions are unconscionable and I expect to be compensated. I want them to answer the forensic accountants questions. 

Further, they have called me numerous times before XXXX Again, a violation of the FDCPA that I expect to be compensated for. This is a sloppy organization that ignores the FDCPA .They do n't know what my balance is based on. They are unable to accurately itemize past payments made. They call me at unreasonable hours. I want a breakdown that shows every single payment that I ever made to FirstMark/XXXX as well as how every single charge was made. If they are unable to do so, I expect to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information.
By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX.
I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report.
I want an investigation as to why they have n't corrected my Credit Report.
Waiting for a Reply.
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 11/21/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (WI).
Issue: Trouble during payment process

Complaint: We paid off the loan in full with our lawyer XXXX XXXX  2017. We 've checked with register of deeds in XXXX county WI and they keep telling us they removed the mortgage from the deed as lien holder and of this date it still has n't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: a dept owed was payed to   XXXX   and since  XXXX  separate companys were used to collect on my dept the  XXXX  I payed shows my account closed the other shows it closed but will not give me a pay off statement to show to  XXXX  that I payed the account this company is a terrible collections agency

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 09-11-2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: EXCESSIVE PHONE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Payday loan) with Zenith Financial Network Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been contacted by ZFN associates on multiple times before XXXX. These calls are coming from XXXX as recent as Tuesday XXXX XXXX, 2016 at XXXX PST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with DISCOVER BANK (MN).
Issue: Billing disputes

Complaint: I am writing to dispute a billing error in the amount of {$600.00} on my account. The amount is inaccurate because merchandise was returned. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance.

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