vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited XXXX into a money market IRA account on XX/XX/2020. The funds show available to use today, but the bank is not allowing me to transfer any amount to my personal checking account because of a 11-day hold. This is an issue for me because the banks have been bailed out due to COVID-19 and I have not been able to be employed since the beginning of this pandemic. There was no effort by the branch manager to call XXXX XXXX to ensure things were in order for them to transfer my funds and this is extremely not helpful to my financial situation. 

I have been a hardworking tax-paying citizen and this is unfair and unacceptable. Is there any that you all can do to help my situation? 

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Date of compromised accounts was XXXX ( time XXXX XXXX PST ). Im curious if someone will be contacting me? My issue is with Coinbase. I had 1 XXXX ( estimated value {$9400.00} ) and now it is gone due to my account being compromised. I did inform Coinbase that day such as 1-2 hours after I discovered it had happened? I have tried to call countless times and no returned calls and emailed more than many times. Apparently Coinbase does Not make out bound calls to clients and the only form of communication is via email. I made a police ( Sheriff ) report here in XXXX WA. Report number # XXXX. Also I have froze all of my credit bureaus as well. Then my XXXX XXXX ( Debit card only ) account was compromised as well Where {$4800.00} was taken but at this time XXXX XXXX was nice enough to Temporarily reverse the debits while they do further investigation. So I have opened up a case for fraud ( XXXX XXXX  ) and have been sent a new debit card. Please let me know if you can help? I have also emailed ( you ) SEC, FTC and CFPB. Just searching for assistance so I can resolve this matter. 
Respectfully, XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Experian is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any date or information at all regarding this account post XXXX of XXXX is wrong.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is incorrectly reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
The XXXX  app is not connecting to my Pnc bank  account card for some reason it says that Pnc isnt allowing my account to link to other accounts thats whats going on. Its not letting me cash out any money from the app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX I entered into a payment agreement, per Bank of America 's request, when i was having difficulty making my payments. Per the agreement with BoA, my credit was to reported as current and on time. From XX/XX/XXXX-XX/XX/XXXX they continued to report my account as severely delinquent in violation of the agreement. this is for two accounts ending in XXXX and XXXX the other accounts i entered into the program with, XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, and XXXX XXXX all reported my account as paid as agreed. 

I have tried to get the rectified through XX/XX/XXXX, and about 7 calls to BoA and they are failing to address my concern. They are stating that the information is accurate and is what i agreeed to. Per the advice they gave me in XX/XX/XXXX when I entered the program my account was to be reported as paid on time from XX/XX/XXXX until i paid the account off in XXXX of 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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax should not be reporting a collection/chargeoff in the amount of {$800.00} on the OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid. I have attached a copy of the account information reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to either be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hello I used Paypal to purchase a product that was defective I tried to reach out to the seller who was non-compliant. The purchase was for {$240.00} when I did not get a reply back from the seller I contacted my bank who opened a dispute and refunded me the money but reversed the charge and took the money back because I hit the wrong dispute button by accident. I was supposed to hit the button that I am disputing it because I returned the merchandise. I hit the one saying I didn't receive it so when I found out I did the error by my bank I requested to reopen the claim so I can do it the correct way and I was told by my bank that they could not reopen the claim that I needed to take this up with Paypal and the seller since I have a tracking number proving I returned the merchandise back to the seller. I contacted Paypal numerous times to let them know they need to request that this seller gives me a refund since I sent the merchandise back and they have not been compliant at all in my favor to get my refund of {$240.00} even though I have proof and have told them the bank has referred me back to them. Their stance on the matter is that I opened the claim with my bank so I have to go through them and the bank said I should go to them. I feel I have been ripped off for {$240.00} for merchandise I have returned due to it being defective and I am already going through financial hardship due to the pandemic I do not have money for anyone to just take from me. All I want is my refund of {$240.00} that I spent because I returned the merchandise back and have tracking information from XXXX that the seller received it and signed for it on XX/XX/2020 its been 2 months i have been trying to get my money back from this seller through paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting correctly. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late as well as a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Somewhere around XXXX 2020 I opened a dispute with Chase regarding a XXXX transaction done through XXXX. After several back and fourth messages with the seller about where my merchandise was, he deleted his account from XXXX. He left me with this charge and no merchandise. Chase sent a letter saying they were looking into it. They understood it was about " Non-receipt of merchandise or service ". They closed the complaint and found it against me. I reopened the complaint faxed them all pertient info, XXXX XXXX tracking number, messages etc. As proof of delivery, the other party provided a XXXX XXXX tracking number, which I never received from him. That XXXX  tracking sheet did not have my name, signature ( it was supposed to be a direct signature required ), not my address. Also, the date of delivery was ten days before the seller said he was shipping the package. Chase used this as proof I got the package. I resubmitted Chase denied again, saying there was no billing error. Stating the charge was valid as I had made it myself. Chase now says no more appeals, too many days have passed. Chase continually refused to look at the evidence. At the end Chase replaced the reason I filed by converting dispute type saying '' there was no billing error and the charge was valid ".

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2020 I filed a complaint with CFPB, due to Jefferson Capital Systems ( " JCS '' ) trying to collect a debt not owed. After 3 notices of dispute, and during 4 months after disputing the unrecognized debt " JCS '' never provided proper validation, and never provided any evidence to prove, any binding liability, after never providing any proper validation as FTC Attorney XXXX describes in his opinion " JCS '' was obligated to remove the account from my credit report not later, than 30 days according to the FCRA and FDCPA, and keeps violating the law by not removing the account reported as XXXX XXXX, that " JCS '' clearly claims ownership, and to be the Current Creditor, as he has been doing for the last year. 

In addition to that " JCS '', from the moment the consumer notified formally the dispute of the account had to place a note on the account about the dispute no later than 30 days as per the two Acts referred above mandate. The evidence provided shows 4 months showing no dispute. 

Jefferson Capital Systems has continuously been violating the FCRA, and the FDCPA. Attached you will find the detail, and evidence, to prove the multiple times that JCS violated the law, and keeps violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Associate Credit Services , Inc. contacted me to pay a XXXX XXXX balance that I had forgotten about and they told me that I can pay a portion at the time and be all set. They did not however tell me that they will keep reporting to the credit bureau that I am delinquent until the remaining balance is paid in full. They ceased all communication attempts since then - about four or five years now. Now that I can monitor my credit report, I found out about it and I took the initiative to call them. They only had an answering machine where you can leave a message. I went to their website and tried to pull my information in order to pay online, but the portal showed the following : Creditor Name : XXXX XXXX Account Balance : {$0.00} Amount Paid : {$0.00} There's no way to resolve this but they keep on damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In compliance with the CARES Act, and as a result of COVID-19 related financial hardship, I requested for the initial 180 days mortgage forebearance from my mortgage company Wells Fargo ( Account # XXXX ). Wells Fargo denied my 180 days forebearance request, and instead gave me a 90 days forbearance. I complaint ( Wells FARGO complaint case # XXXX ), and the complaint was investigated by XXXX XXXX XXXX, to whom I emailed on XX/XX/2020, a copy of the CFBP guideline addressing the question of the durational compliance with the CARES Act. On completion of their investigation, XXXX XXXX XXXX maintained that they will not provide me the requested initial 180 days forebearance, and will rather maintain the 90 days. I request that Wells Fargo be enjoined to strictly enforce the CARES Act initial 180 days as requested by me, and many officerd

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
during the time this company was still assuming mtg servicing from XXXX, i called around end of XXXX or begin XXXX, and was told by one of their reps ( shellpoint ) that i had a grace period to make XXXX XXXX payment and that there would be no consequence if it was late, as it was taking them too long to transfer. Despite being told this, and the call being recorded ( supposedly ), my XXXX payment was reported 30 days late, and i have been unable to get them to correct, despite the facts and i having a case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation