vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
My complaint is against the company Coinbase. They have a referral program that promises a certain reward for referring customers to their services. In order to achieve such, you must either send an email or give a personalized link to the referred party and after they purchase or trade {$100.00} worth of XXXX and validate the account they reward you with the promised amount of XXXX. I completed this process with my mother who was interested in crypto at the time. I set her up with the referral link and helped her purchase {$100.00} worth of XXXX. The promised reward was meant to be deposited after a max of 4 business days. Today is many months ( about 3 or 4 ) after we purchased her crypto and I have still not received, nor been confirmed to receive my reward. I have contacted Coinbase on this issue and they responded as follows. " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. '' My feeling is that their automated process is not functioning properly as I have followed all guidelines. It is not sufficient to deny me these funds because of an issue with their automated systems. They have assured me they will not help me receive said funds. I have provided them with my mothers very personal information including social security number and photocopy of her drivers license under the promise of compensation, and we were denied such. I feel this is fraudulent and they have stolen said the personal information for their own financial gain. Thank you very much for hearing me out and considering my complaint. I hope this does not occur for others as personal information is becoming ever more sought after and important. Please prevent them from doing this from others. I have attached a photo showing that I have never received compensation for my referral and the email which they responded to me with when I asked about said compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
I keep receiving a letter from Credit Control , LLC and they keep asking me to pay an alleged debt that I have no information or recollection of. This information is hurting my credit report and is false and misleading. 
According to 15 USC 1692e False or misleading representations a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This debt is not validated after multiple validation requests.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I applied for a Capital One credit card approximately two weeks ago. Upon receipt of my credit card I download the capital one application and tried to access my card and it was restricted. I called in and a representative at Capital One said that they could not fix it. Theyve gotten my banking information, run my credit and I now have an inquiry on my credit report and Ive sent them all the verification that they would need. When calling back about the issue after staying on the phone two hours they said they would call me back in another two weeks and they may or may not have the problem fixed. At this point Ive waited a month to be able to use my credit card! The customer service is horrible. I dont want to cancel the card because my credit score has already been affected. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a dispute for a transaction from XXXX XXXX XXXX  XXXX back in XXXX due to gettting sick from consuming their food. I received the credit from Bank of America.however, a couple of days after I received a notification stating that they were going to remove the credit I was awarded. I submitted all the information requested proving that I got food poisoning from this restaurant and I even submitted a report to the Food Safety and Inspection Agency ( USDA ). I would like Bank of America to review this claim and refund my money back to my account, the claim number is 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 2021-06-29 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
all list accounts and inquiries are fraud and are on my credit reports. 


WF/XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-29 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMCB CARD Bank cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: UPGRADE, INC.
State: AL

Complaint narrative:
XX/XX/XXXX - The XX/XX/XXXX payment was reported as " late. '' This caused a 45-point decrease in my score in the MIDDLE OF MY HOME PURCHASE. Upgrade admitted fault ( after many, many calls and emails. ) The issue was corrected in about 10 days. This almost cost me my new home. 
XX/XX/XXXX - I paid off the loan in XX/XX/XXXX and on XX/XX/XXXX the same XX/XX/XXXX payment was reported as LATE. This caused a 40-point decrease in my scores. 
I just so happened to have purchased a new vehicle in the beginning of XXXX. Unbeknownst to me, the reason why I didn't get the preferred rate from my bank was because the late payment was already reported to the bureaus. I did not know this until after the fact and too late to discuss with my bank. None of this showed on my credit reporting apps prior to me purchasing my car ... .I would have waited. This is costing me thousands over the course of my loan. I should have a 3.3 % rate and had to accept a 5.25 % rate! 
I haven't missed ONE payment on ANYTHING in YEARS! 
I want compensated ... my bank XXXX XXXX XXXX will not refinance for at least a year. This has been a horrible experience and has caused me so much grief. NOT TO MENTION>>.. NO ONE at Upgrade will ever call me back!! I have had to call them SIX Times! I got the attached email that it can take 60 days for this to be corrected ... I may need to help my parents with a big purchase very soon ... I can't if my scores are not corrected! 
Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I RECEIVED DEBT COLLECTION LETTER FROM JEFFERSON CAPITAL SYSTEMS, THE LETTER WAS AN OFFER TO PUT THE COLLECTION AMOUNT ONTO A NEW CREDIT CARD, WHICH WOULD FORGIVE A PORTION OF THE DEBT. WAS REALLY CONFUSING. I WROTE JEFFERSON A LETTER REQUESTING VALIDATION, NEVER RECEIVED A RESPONSE. I RECEIVED ANOTHER LETTER TO PUT COLLECTION AMOUNT ONTO A CREDIT CARD, AGAIN WAS CONFUSED ATTEMTPED TO VALIDATE DEBT VIA A MAILED LETTER. NO RESPONSE AGAIN. 

XX/XX/XXXX FIRST LETTER RECEIVED XX/XX/XXXX SECOND LETTER RECEIVED XX/XX/XXXX 1ST VALIDATION LETTER MAILED XX/XX/XXXX XXXX VALIDATION LETTER MAILED NO RESPONSE NO OTHER COMMUNICATIONS RECEIVED XX/XX/XXXX MY WIFE WAS HANDED A SUMMONS FOR ME FOR THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This debt was placed in collections and I was never contacted. Secondly this debt was charged off by the original debtor more than 180 days ago which it is illegal to sell after it has been charged off more than 180 days ago it has been placed on my credit without me having a chance to resolve it also caused my score to drop significantly in the last 60 days I tried to contact the.debt collections company and advised this was not my debt. I asked the supervisor how did they obtain the account in the first place at which time he explained that his company had purchased it from another third party not the original debtor I then advised him of the law that it is illegal to sell off debt accounts that are more than 180 days charged off he then informed me that he has been doing this for the past 11 yrs and this was the first time that he has heard this. I think that MBA LAW SHOULD BE INVESTIGATED if they don't know the laws they should not be doing this type of work they also should not be placing things.on people 's credit report and causing problems for things that they have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Not mine : FCRA violations see attachments : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Open. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Closed. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$12000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 



XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries reported on my report that are not mine. XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-29 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: NV

Complaint narrative:
This are all fraud inquiries I have not given any of these creditors permission to pull or access my credit under FCRA by these being fraud and the creditors reporting them they need to be removed immediately : I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for Equifax, XXXX and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information Equifax, XXXX and XXXX XXXX is reporting the information and need to correct the information. 

XXXX : Equifax Mortgage Solution-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equfiax mortgage XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MS

Complaint narrative:
On XX/XX/2021 I sent my first letter that talked about incorrect/fraudulent items that showed on my credit reports to ( XXXX, XXXX, and Equifax ). 

Next on subsequent dates I sent letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent other letters asking them to look into this issue, but I have not received a response yet. 

This is a blatant violation of the FCRA, and I will be filing a law suit at my small claims court against Equifax, XXXX and XXXX for not helping me resolve this issue. I have sent letters via certified mail and I have copies of all documents that were sent off You can settle this outside of court by paying my settlement of {$5000.00}, or face other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
This is in regards to a Citi XXXX XXXX card. Citi closed my account due to not renewing my XXXX account during the Pandemic. I did not renew because of the Pandemic and the fact that the nearest XXXX is XXXX miles away. I called to get my account reopened and was told they would not reopen at the time. For several months after it was closed i was still making payments online. Next, a few months later, they removed the card from my online account, leaving me with no option to make payments and no way to receive statements. 2 months after not making payments, they called and after telling the Citi representative what happened nothing got resolved. It is now several months delinquent, with still no option to pay or get statements. Citi still sends me emails with links to pay online but when i login the account info is not there and there is no option to pay. My other Citi XXXX card is still there and is current along with my Best Buy Citi card which is also current. 
I also tried to pay on the mobile app. No account info available.

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 2021-06-29 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: CA

Complaint narrative:
I am a victim of identity theft. I have lots of information in my credit information that are inaccurate, Unknown and Unauthorized. It is affecting my job and livelihood, please help me dealing with the Bureaus to get those off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX when I went to pay my HSN credit card bill ( which my due date has always been the XXXX of the month ) I noticed I was charged a late fee and it said my bill was due XX/XX/XXXX. I looked back at the prior month and noticed they also charged me a late fee in XXXX and XX/XX/XXXX, but not prior to that. I called and was told my due date was changed to the XXXX of the month and they noted it on my statement. I asked why I wasnt sent a separate communication alerting me of the change and was told the statement showed the change. As a consumer I should have been notified by another means about this account change. It will now affect my credit report showing late payments and Ive never been late paying this company. The months they charged me I paid on the original due date of my account. I was told they will only reverse this months fee and will not change my credit reporting information. I feel this is a UDAAP concern as it is unfair and deceptive to me as a consumer to have a change in terms that is only noted on a statement and not through a separate communication that will properly notify me of the upcoming change.

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 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
I reuested a forebareance period for Covid reasons beginning XX/XX/21. I was approved and used the entire period, making a full mortgage payment on XX/XX/21. 

Prior to emgering from forbarence the lender electronically offered me a loan modification, to deal with the missed payments during the forebareance, and offered to lower my interest rate and extend the lenghth of my loan. 

Under the CARES act it was my impression that the lender was required not to report negative information to the credit bureaus during my forbareance period. Now, after the offer of modification, I have found that in fact my credit has been adversly affected throughout this entire process. 

The full payment I made at the end of my forbareance period has been placed in suspense. I am going to be reported as paying late. Also my load modification itself will lower my credit rating, even though I paid a full, unmodified payment at the conclusion of my forbarence period. 

Even the way the forbareance was reported, during the forbareance period negatively impacted my credit, as the bureau used the lack of a payment in the prior cycle as evidence of a lack of credit worthiness. 

I have not missed a payment on any loan of credit instrument in over ten years. I have also taken steps to improve my credit worthiness by paying off and closing over half my credit accounts in the past year. 

In spite of this, I have a credit score ( on most bureaus and instances ) of below 600, making me ineligable for most types of credit. 

In XXXX I was hospitalized for two months, and missed three months of work. I paid every bill durning that period, and only took the forbareance with the understanding that my credit would not be affected by Federal Law. 

Because of this issue, I am unable to refinance my home, even though I have over {$85000.00} in equity. I can, however, sell my home, and use the profit as a way to pay off all my debts, and right my credit. 

So I have decided I will sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Not getting extension on forbearance and not given the opportunity to apply for a deferment payment plan Please help

Company response to consumer: Closed with explanation