vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello I am writing this today because I am aware of transunion had 2 glitches. There glitch made people 's inquires get deleted. Then they added them back on. This is clear violation of the law. I am suppose to get a 5 day notice to inform me. I have asked transunion multiple times to delete my inquires of my report. They are in clear violation.

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 2017-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GU

Complaint narrative:
I signed up with Coinbase and purchased some XXXX, XXXX, and XXXX via their website. Soon afterwards, I could n't access my account because the system required an additional " ID Verification '', which would not work. I tried contacting Coinbase through their website customer support, but only got automated responses weeks later, which did not resolve the issue. I tried other methods and finally got the verification cleared, but all my linked accounts were subsequently deleted from my Coinbase Account. When I tried to re-add them, I just got a message stating, " That bank account has already been added to your account. Please contact support to reinstate it. '' It 's been way over a month since I 've sent numerous requests via their online support, but received just one general response ( about a month after my first request ) that stated, " Thank you for contacting Coinbase Support. We sincerely apologize for not being able to provide you resolution in time.
Since we are currently working on volume of inquiries. Truly appreciate your patience over the matter. Rest assure we will address your concern and provide you with the right resolution as well.
If you are still experiencing this issue, simply reply to this email with screenshots of error messages or other relevant information that you think would help us solve and understand the issue, and we be happy to work on a resolution for you. If your issue has been resolved, no reply is needed.
Again Thank you for your patience during this time and for your continued support while we improve our service. '' [ *Case # : XXXX. ] I can not sell and recover my investment, which is valued right now at {$10000.00}, and they do not respond, there is no phone number to call and speak to a physical customer representative, and my funds are being held hostage as there is no way I can recover my money as long as they do not reinstate my back accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: NC

Complaint narrative:
I am trying to update my credit record in preparation for a mortgage application. Both XXXX and Equifax have reported the exact collections reports from a medical facility. XXXX deleted XXXX reports within eight days and my record is now clear of negative information. Equifax seems to be stone walling my efforts. It is impossible to file an online complaint with Equifax because the site has a permanent screen display that indicates that they are undergoing updates and/or repairs! It is obviously nothing more than an effort to discourage the consumer.If an inquiry is made it is immediately reflected on reports from all CRAs. If XXXX investigates an alleged collection and deletes that collection, why is the same report not deleted from the Equifax record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There are several issues. First ) Kohl 's routinely does not honor 12 CFR Subpart B 1026.5 ( b ) ( 2 ) ( ii ) *The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing OR DELIVERY of the periodic statement disclosing the due date for that payment. * Kohl 's routinely waits until exactly 21 days before a payment is due before mailing. It takes a few days to mail before the recipient receives it. So while 21 days is the minimum they must offer for payment, it discounts the 21 days after delivery. So while 21 days after clearly falls within the mailing portion, it conveniently ignores the delivery aspect. Second ) I 'm not convinced Kohl 's is honoring the requirement to mail 21 days prior to it being due. Third ) I 'm not convinced Kohl 's is accurately accounting for the day they received payments. I believe they are holding payments an extra 24-48 hours before recognizing receipt in order to trigger more late fees. Fourth ) Kohl 's received payment within 21 days after delivery, which was delivered on XX/XX/XXXX. Kohl  's claims they received the payment on XX/XX/XXXX.
In the past I have had to discuss with customer service of Kohl 's in order to get the charges removed. At this point I have decided to forgo this method and instead contact you, the consumer financial protection bureau, as I believe they are intentionally adjusting timelines by a day here or there in order to illegally capture more fees with their store credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a mortgage with Wells Fargo for a property in  XXXX . My employer posted me to  XXXX  and I no longer have  a US mobil e phone number. Wells Fargo online does not allow me to log into the system to service my mortgage without receiving a code t o a US mobi le phone number as part of th eir two factor authentication procedure. As a result I can not service my mortgage online even with current log in   credentials. I spoke with Wells Fargo twice regarding this issue and asked  if the two factor au thentication can be done via my registered email address or a  XXXX  mobile number that can receive text messages. This is similar to ot her US financial i nstitutions. There does not seem to be a solution Wells Fargo is able to offer 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 2017-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Zoom, LLC
State: TX

Complaint narrative:
I have been called frequently by a company called XXXX XXXX XXXX XXXX of XXXX XXXX NV. They promised an Obama loan forgiveness program where they could reduce our student loan debt by 50 % over 13 years. They were aggressive in asking personal information like DL number and credit card number. They asked for an upfront payment to get the loan forgiveness started. I do not think they are legitimate after filling out their documents. Can you advise on how to proceed? Is there an Obama care program that reduces student loan debt?

Company response to consumer: Untimely response
Consumer complaint received 2017-08-05 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: DE

Complaint narrative:
My debt has been settled, and eqifax has not updated their information. I was almost denied the credit for my new home. Also when trying to contact them the report from us never posted. I called byl the credit agency and they reported it to eqifax but they never updated our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am requesting monetary damages for all the violation Shellpoint has committed since taking over the servicing rights from  XXXX  back in  XXXX  of 2016. Since then, Shellpoint has mismanaged my loan account and failed to apply payments towards my mortgage PITI but instead, they have been applying to illegal fees and letting the funds to sit in the unapplied account instead of applying towards my loan balance. Please see the attached complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and XXXX have made more of an effort but Experian has not. My spouse is having the same issues with Experian. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with Experian report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( Bankr. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and Experian are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses XXXX every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
I went to an emergency on XXXX/XXXX/2016 to XXXX hospital ( XXXX PA ) XXXX XXXX, XXXX XXXX, Ca n't XXXX After a month I started to receiving the bills I have paid all the bills and the situation was over.
A month ago a collection agency is calling me for a medical debt ( I though it was a scam ) I call the hospital, many many many times, and noone has an explanation for me about that debt. They said you dont owe anything.
I did a research and collection agency is true, its real, there is no scam I went to the XXXX hospital today in person, after insist with diferent departments and diferent people ( back to back calls ) They told me that for the emergency attendance I should recieve 3 diferent bills, from 3 diferent companies. 1 ) XXXX 2 ) XXXX- XXXX XXXX 3 ) XXXX the doctors I only recieved 1 and 2 bills. Bill 3 ( the doctors ) I never recieved a bill from them, a call from them e- mail from them, nothing at all.
I call them And they said, yes you owed money but, because we could n't reach you, we send you to collections, fresh and simple as that.
Someone made a mistake when the put my information, someone did something wrong. I still do not understand how 1 XXXX and 2 XXXX send me the bill without any problem and XXXX XXXX XXXX did n't found me, its a mystery.
I am totally ignorant on the medical field and how they proces a bill through diferent companies. And because of that I am in a collection agency.
To finish this complaint I want to mention that, the day that I XXXX XXXX XXXX, after hours at the hospital the doctor told me, you do n't have anything just put some Ice on it. But thats another story ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America ( BoA ) charged me an overdraft free on XX/XX/2017 ; however I checked my balance on that day several times and I never see a negative balance in my account. The last time I check my balance that day was around XXXX-XXXX CT and it was around {$1.00}. I did not use my card after this and at XXXX I received a XXXX transfer of {$150.00} to my account. I received the notification about the overdraft fee on XX/XX/2017 ; however, I never had a negative balance in my account that day. I contacted the bank and I spoke to XXXX ( employer id : XXXX ) and he said the reason of this overdraft fee was a transaction I made on XX/XX/17 around XXXX ( XXXX transaction ), but the negative balance was never reflected on my account. The said that I need to look at the account balance history, because there I can find the actual balance. However when I log into my account through the webpage or through the app, BoA show, the transactions order in a different order as the account balance history. it seems like the manipulate the order of the transaction in order to charge overdraft fees. To sum up according to the Bank of America 's representative, it is the customer responsibility to check the account history even though is something that it is hidden from the customer in the app and the webpage. I have records of my transaction and my balance to support this calim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX has recently decided to charge extra fees for making payments during the month, i.e., pay 5 days after the first and get charged {$5.00}, pay anytime prior to the late date, up to the XX/XX/XXXX, {$10.00}. No where in my contract did I ever agree to pay additional charges for paying my mortage prior to the consider late date, the XX/XX/XXXX. I have wriiten to them twice with no response. I would prefer an answer to this practice.

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 2017-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to a CHASE ATM to withdraw money from my XXXX XXXX acct. Where I receive my Soc. Sec. Benefits. When I got to the step where the CHASE ATM would dispense my money the Atm had a " TECHNICAL DIFFICULTIES " message. So I grabbed my card and called to double check my card balance, and even though I received no money, the XXXX $ that I tried to withdrawl was deducted from my checking acct. A XXXX # from CHASE popped up and I called it, the lady said just go into any CHASE branch and they could fix it and get my money to me. Well 2 Different CHASE branch said they could do nothing bout it cause I Ai n't a CHASE Member. My XXXX XXXX card company said they have to do an investigation, and I might get my XXXX $ in 45-90 days. I am XXXX and it 's my only sorce of income. This happened XXXX XXXX 2017, I went to the CHASE branches on XX/XX/XXXX & XX/XX/XXXX. Spoke to them on XX/XX/XXXX,XX/XX/XXXX And XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and TransUnion have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( XXXX. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both TransUnion and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation