vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My account on Coinbase PRO has been blocked for 3 days now from the time of writing. Combined there is a little over {$100000.00} in my coinbase account that I no longer have access to. I was locked out because I sent an email asking them to check a transaction for me. Before they responded, I have figured out the issue on my own and re-emailed them in the same case number that " everything is fine, disregard the previous email ''. 

About an hour after those 2 emails, my access to my coinbase account has been taken away. I am day trading cryptocurrencies and as we speak, I am literally losing thousands of dollars due to their incompetence to re-open my account. I have submitted numerous case tickets that all went dark. I only received ONE email back that states the following : " Hi, We appreciate your patience while we work through a high number of support requests. 

According to our records, it appears that you were able to sign in to your account after requesting help from us. 

Since you were able to access your account, were letting you know that were resolving your issue and closing this inquiry. 

If your exact issue isnt fixed and you need further support, please reply back to this message and include any additional questions or concerns. 

Thank you for understanding. 

Regards, Coinbase Support '' As you can see, on their end " everything is fine '' and " I am able to sign in ''. That is not true, obviously that is why I am filing this complaint. It is unacceptable to have such low grade of customer service when the amount of money they handle is enormous. Right now I am invested in cryptocurrencies for far longer than I was supposed to, this has the potential to cause me a lot of financial damage. 

My case number with Coinbase is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed several items on my credit report i saw were incorrect and incomplete but the credit bureaus haven't answered me.

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
PennyMac agents have been calling our telephone number repeatedly for years asking for XXXX XXXX. We have told PenneyMac agents repeatedly that we have had this telephone number for eight years and there is no XXXX XXXX here, but the harassing telephone calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i disputed items from my credit report that were inaccurate to 3 credit bureaus and they haven't answered me

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i disputed items from my credit report that were inaccurate to 3 credit bureaus and they haven't answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2020 I filed a complaint with CFPB -Complaint Number XXXX. In there response to the complaint Equifax stated it would send me the results that the company provided them from the investigation. As of today they didnt. It has been over 8 months that I originally filed a dispute about these 2 Erroneous items. I have filed several disputes and this is my 3rd complaint with the CFPB and Equifax has continuously disregarded the FCRA and my consumer rights and have never given me the results of the investigation ( s ) from my multiple disputes and complaints. I have continuously asked for proof how they keep coming to the conclusion that these 2 erroneous items are mine. There is no proof because they are not mine. The only thing Equifax keeps sending is a copy of my credit report. They are continuously ignoring my request. Underneath this is the complaint I filed on XX/XX/2020 in which Equifax refused to comply and outright LIED about what they would send me : On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX/XXXX  one in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I did my own research and this debt were already paid with another debt agency in 2018. I'm not sure why the previous debt agency did not record my payment. I have proof from 2018 from the debt agency also my bank proof payments were made and the account were settled. Sequium Asset Solution should not be trying to collect on a debt has been settled in 2018. By the look on this letter this has to be a very old debt that age of this debt. Enclosed is copies of 2018 settlement letter from another credit agency that I have copies of my voided checks that this company ACH from my bank account also have a email from my bank that shows the amount that were offered in the settlement were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent disputes to 3 credit bureaus against some inaccurate items on my credit report and i haven't received a response

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I called customer service to dispute charges and get a new card shipped to me and fix all the fraudulent charges that werent mine on the card and this guy was asking why did I want to dispute them and he asked for my social security number and birthdate and then he hung up the phone and the next day my account was closed and no card was shipped out and no reason was explain and I never owed chase and I paid my bills on time and everything so Im not sure why this happened to me other then the guy doing illegal things to my account in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a XXXX XXXX flight to XXXX, on XX/XX/2020 at XXXX, using Chase credit card reward points. On XX/XX/XXXX, I received a notification from XXXX XXXX that my booked flight XXXX XXXX XXXX is cancelled. I was then rebooked ( w/o my confirmation XXXX to a flight on XX/XX/2020 at XXXX. That XXXX pm flight was also cancelled. 

I submitted a refund request to XXXX XXXX on XX/XX/2020 and they responded the following day informing me I had to submit my request to the travel agency XXXX Chase Rewards ) I booked my flight with. 

On XX/XX/2020, I reached out to Chase and they informed me XXXX XXXX was able to issue airline credit ( {$610.00} ). Chase informed me that if I wanted a cash refund, I'd have to reach out to XXXX XXXX directly. However, since my flights were cancelled, I wanted a full return of my Chase credit card points. I did not want XXXX XXXX travel credits. 

Then in XX/XX/2020, I submitted a US DOT complaint regarding the credit card reward points refund process. I received the same response from XXXX XXXX. Talk to your travel agency if you want a full refund of points. 

The problem here is when I ask chase for a full points refund the refer me to XXXX XXXX. And when I reach out to XXXX XXXX, they refer me back to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
When applying for a refinance mortgage, I found that I had an adverse account listed as Shellpoint Mortgage. I knew that I had never been late with my mortgage payments and never heard of nor was contacted by Shellpoint. I called on XX/XX/XXXX and was advised that the account was referred to them, but had a XXXX  balance listed when it was received and that it never had an amount due. I was advised that the account was attached to the home I sold in XXXX of XXXX. Ditech, the mortgage company, was paid in full at closing. I was told that Shellpoint would remove the account from credit reporting and that it could take up to 30 days. I also received an email of a printout from their system indicating what I was told. I called to follow up on XX/XX/XXXX and was told that the first person opened the wrong ticket and that I would have to write in to make this request. After some pushing back on my part, I was told that a Team Leader, XXXX XXXX, would put the request in today. I will be writing the letter they say I need to send them asking them to fix their mistake as well, but was told that I should send it certified because they are behind on mail and I can't assume they received it! 
It is beyond me how a XXXX  balance can reported to a collection agency in the first place. However, it happened. The response received from them is just not acceptable. Any assistance you can provide in expediting this would be greatly appreciated. I will also be writing the XXXX  in hopes that others will not go through this with Shellpoint in the future.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to dispute a billing error in the amount of {$31.00} on my Capital One Walmart account. The amount is inaccurate because I was enrolled in the automatic payment plan. I am requesting that the error be corrected, that these finance and interest charges related to the disputed amount be credited, and that I receive an accurate statement. 
This matter involved my Walmart Capital one credit card. In XX/XX/XXXX, I was enrolled in paperless billing without my consent. As a result, my account went past due and I was charged a late fee and interest. These were later credited and I disenrolled from paperless billing. On or about XX/XX/XXXX, I spent over 2.5 hours on the phone with Capital One representatives after my account went past due again because I never received a bill from Capital One. After much frustration and to prevent future past due events, I enrolled in paperless billing and automatic payment. To my utter shock, reviewing the XX/XX/XXXX statement I see my account is past due again. I contacted customer service on XX/XX/XXXX and they showed no record of me ever calling in XX/XX/XXXX. During that call, the representative asked for my bank account information and seemed to be based in an overseas call center. This is very concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed about an internship opportunity. The company offered me an internship position that required certain materials to be purchased. They sent me a check through email which I printed and deposited. There was a hold on the check but the hold was removed afterwards and the money was awarded to my account. I used the XXXX XXXX option to pay the company to ship out the materials, knowing the money was available to me in my account from the check. The check was then returned by Chase because they were not able to locate the account and the money was taken away from my account. I was left with giving away the money I thought I was reimbursed for to the scammer. Chase did not refund me the money I lost to the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NJ

Complaint narrative:
American Education Services ( AES ) reported five ( 5 ) missed or late payments on two ( 2 ) student loan accounts for a total of ten ( 10 ) payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with AES on a few occasions including phone, email and certified mail. I spoke with a customer service rep in XX/XX/XXXX and after careful review he stated there was a misunderstanding of how the account was being reported and suggested I submit a formal dispute to have their credit team review and update -- After reviewing several disputes AES concluded the reporting was accurate but AES failed to give me proof of any evidence they followed compliance of properly notifying me of negative reporting at the beginning of the negative reporting period ; AES also failed short of notifying the CRAs that I dispute the accuracy thus there was no remark of dispute left on my credit file. Subsequently, I made a direct dispute with each of the CRAs to have them investigate the legitimacy and compliance procedures to no avail as they provided no method of verification. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: SC

Complaint narrative:
Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX. 

My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX. 

My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX. 

I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues. 

After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ). 

On XXXX  XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}. 

I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer. 

I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX. 

This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
I responded to a promotional offer from XXXX and opened a XXXX cellular account on XX/XX/XXXX, which represented four lines and two new phones purchased from XXXX. The sales representative assured me that I had a 14-day free trial period within which I could cancel service, return the two phones, and owe nothing. 

The service proved unsatisfactory so I cancelled my account on XX/XX/XXXX and returned the phones to XXXX, within the 14-day trial period. XXXX emailed a cancellation confirmation, copy enclosed. 

Four days later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$2200.00}. One month later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$310.00}, followed by a paper copy. Obviously, neither the first nor the second bill was correct nor justified under the terms of the free trial. Upon cancellation of my account, XXXX blocked access to my account so billing details were unavailable to me. Billing details were evidently unavailable to XXXX representatives as well since multiple phone calls to XXXX representatives were unsuccessful in providing details of the charges. 

I mailed XXXX the enclosed letter, dated XX/XX/XXXX, which detailed the facts surrounding the disputed charges, and never received a response. I mailed XXXX a second letter dated XX/XX/XXXX ( copy enclosed ) and never received a response to this letter as well. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX regarding the {$310.00}. I mailed the enclosed letter, dated XX/XX/XXXX, and received no response. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX, mailed them the enclosed letter dated XX/XX/XXXX, and never received a response. 

Finally, after recently viewing my credit report, I saw that a third collection agency, Southwest Credit Systems, has been retained by XXXX. I phoned them XX/XX/XXXX and was told to provide them with copies of my previous correspondence so they could contact XXXX for further instructions ( copy of my letter enclosed ). 

Given XXXX 's continued abysmal performance in this matter, I will not be surprised if nothing comes of Southwest 's request.

Company response to consumer: Closed with explanation